Advice You - Finance

With all the many reward programs out there, this is perhaps the only card that doubles as a calling

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

card. The AT&T Universal Platinum Card is issued by Citibank with the general purpose of being a cred

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

t card that comes with a lower APR, and also a calling card with probably not-so-low calling charges.

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

As with all introductory APR promotions, this card also comes with an introductory 0% APR albeit fo

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

balance transfers done within the first 12 months, after which the APR will rise sharply to 11.4%, a

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

relatively low figure as compared to many other credit cards.

As for cash advances, the APR used is

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

tied to the London Interbank Offer Rate (LIBOR) and with a minimum cap of 19.99%. Still, the AT&T Uni

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

ersal Card is still one of the best deals for card users who tend to leave balances unpaid for at the

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

end of the month.

Additionally, there are no annual fees or application fees and successful applican

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

ts get $100 worth of free talk time, that is if you sign up for the plan. In addition to that, they a

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

e also entitled obtain two directory assistance calls for free each month.

Some of the other perks o

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

fered by the AT&T Universal Card would be the rebates off your calls depending on your bill amount. T

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

his means that the higher your call charges, the higher the discount will be.

However, it is advisab

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

e not for card holders to use the AT&T Universal Card for calling services as there are others in the

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

market which can provide lower charges for longer talk time. What’s more, cell phones nowadays offer

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

greater convenience and cost less for longer calls.

On the other hand however, this card provides in

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

urance against mobile phone theft or losses, a feature previously offered only to platinum-status cus

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

omers. Apart from that, customers also are entitled to auto rental insurance, travel accident insuran

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

ce and services to protect against fraud. Just like other cards, there are also fees imposed for late

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

payments, spending past the credit limit, cash advance transactions and balance transfer transactions

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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