A. On July 24, 1999, the Defendant entered into a credit card member contract with the Plaintiff company.

According to the above credit card terms and conditions, the credit card payment is made on the 26th of each month, and if the payment is in arrears, the payment is required to be made additionally according to the overdue interest rate of 23.9% per annum.

B. The Defendant obtained a credit card from the Plaintiff Company and used the credit card amount as of May 27, 2019, the amount of overdue payment and the amount of overdue payment are KRW 38,341,089 as of May 27, 2019, plus KRW 39,509,880 as of May 27, 2019.

[Reasons for Recognition] Gap evidence No. 1-3 and the purport of the whole pleading

2. According to the above facts of determination, the defendant is obligated to pay to the plaintiff 39,509,889 won in total and damages for delay calculated by the ratio of 23.9% per annum from May 28, 2019 to the date of full payment.

(2) The plaintiff's claim is justified. (3) The plaintiff's claim is justified. (4) The plaintiff's claim is justified.