A. On September 27, 2016, the Plaintiff loaned KRW 50 million to the Defendant at a rate of 7.86% per annum on September 15, 2021, and at an overdue interest rate. 2) The Plaintiff’s credit transaction terms agreed upon by the Defendant are to lose the benefit of time and to repay the principal and interest in a lump sum when the interest is not paid. The Defendant lost the benefit of time from June 21, 2018 to January 6, 2019 due to the delay in payment of interest. Accordingly, the amount of the principal debt of the loan as of January 6, 2019 is KRW 37,250,00, the amount of the principal debt of the loan as of January 6, 2019 is KRW 1,200,80, overdue interest, and KRW 1,604,301.

B. A credit card debt 1) The Defendant subscribed to the Plaintiff’s credit card member (credit card number D) and agreed to pay the Plaintiff’s credit card use fee in addition to the late payment charge if the Defendant did not pay the card use fee. (2) The Defendant’s credit card use fee that was unpaid as of January 6, 2019 is the principal amount of KRW 4,979,518, KRW 305,089, KRW 439,288, and overdue interest rate of KRW 16.1% per annum.

[Ground] Facts without dispute, Gap evidence Nos. 1 through 5, the purport of the whole pleadings

2. The judgment below held that the Defendant is obligated to pay the Plaintiff the interest rate of KRW 45,779,076 calculated from January 7, 2019, based on the overdue interest rate of KRW 37,250,00 as principal and interest of KRW 1,20,80 as principal and interest of KRW 1,604,30 as principal and interest of KRW 301 as principal and interest of KRW 4,979,518 as principal and interest of credit card debts of KRW 305,089 as principal and interest of KRW 305,289 as principal and interest of credit card debts of KRW 37,250 as principal and interest of KRW 37,250 as principal and interest of the loan debts of KRW 37,250 as principal and interest of KRW 4,979,518 as interest rate of KRW 16 per annum from January 7, 2019 to interest rate of KRW 16 per annum.

The defendant claims that the debtor applied for rehabilitation while recognizing the repayment of each of the above debts.