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In 1982, the company formed the first of its partnerships, called Cofidis, with catalogue retailer 3 Suisses, introducing the Quartre Etoiles ("four stars") for use by 3 Suisses customers.
By 1985, however, Cetelem's competitors, forced to respond, introduced similar Minitel-based systems, blocking Cetelem from further market share gains.
By 1988, Cetelem was already celebrating the opening of its one-millionth Aurora card account.
The company also extended the Aurora card outside of France by establishing its Fimestic subsidiary in Spain and its Fimaser subsidiary in Belgium in 1988.
In 1992, Cetelem entered Italy, which quickly proved a strong market for the Aurora card.
In March 1997 Cetelem formed a joint venture with Belgium's CGER-Banque/ASLK Bank to offer a new form of the Aurora card, which offered all of the traditional services of the credit card as well as ATM access and account management services.
That event, scheduled for 1999, was expected to enhance Cetelem's and its Aurora card's international appeal.
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