(However, according to the above facts of determination on February 2, 200, the creditor is obligated to pay to the plaintiff 27.9% interest rate per annum from January 22, 2018 to the date of full payment of the principal of the credit card and the principal of the credit card, and from January 22, 2018 to the date of full payment of the principal of the credit card and the principal of the loan 29,585,347.

In this regard, the defendant asserts that he applied for credit recovery to the Credit Counseling and Recovery Committee, but such circumstance alone is insufficient to exempt the above payment obligation. Thus, the defendant's above assertion is rejected.

3. In conclusion, the plaintiff's claim of this case is reasonable, and it is so decided as per Disposition.