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1n 1982 after two unsuccessful attempts at accruing a small bank, 3 Suisses international decided to create an independent credit company called Cofidis.
Cofidis was already profitable in 1983 and in 1986, Cofidis went beyond the store credit card business and introduced Libravou. It consisted of a cash reserve that customers could use to buy what they wanted, when they wanted, without any justification. The reserve could be used in part or completely, with no charged involved when not used, similar to bank overdraft facility. Libravou had an advantage over home equity loans as it was an unsecured loan and it needed no customer asset for collateral...
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