1. The part of the judgment of the first instance against the plaintiff shall be revoked.

2. The defendant 41,248,431 won and 14,835 won among the plaintiff.

1. Comprehensively taking account of the overall purport of the statements and arguments in Gap evidence Nos. 1 through 7 as to the cause of the claim, the new card against the defendant was established and merged with the National Bank and the National Bank of Korea, a new credit card No. 4,907,218, a credit card No. 1,557,750 (307,030,250,720) in total, and a credit card No. 1,557,750, a credit card No. 1,250 (1,250,720), and a housing bank that was the initial lending

The fact that the Plaintiff had each claim for general loans of KRW 13,277,835. The new card and the national card transferred all of the credit card loans to the Plaintiff on June 1, 2013. The National Bank notified the Plaintiff of the transfer of all of the credit for general loans on July 5, 2013. The Plaintiff notified the Defendant of the transfer of each of the above general loans on June 23, 2014. The fact that the notice reached the Defendant at that time. The credit card loans and the damages for delay acquired by the Plaintiff on July 30, 2014, the total amount of KRW 19,229,897 (principal principal KRW 4,907,218, KRW 14,322,679, KRW 15, KRW 329, KRW 275, KRW 1757, KRW 2795, KRW 2795, KRW 7575, KRW 2795, KRW 2757, KRW 757, etc.).

Therefore, the Defendant is obligated to pay to the Plaintiff damages for delay calculated at the rate of 17% per annum from July 31, 2014, which is the day following the day when the above assets are finalized to the day when 19,742,803 won ( KRW 4,907,218, KRW 1,557, KRW 750, KRW 13,277,835), and the principal of the loan, among which 60,478,328 won ( KRW 2,155, KRW 329, KRW 393,00) are paid to the Plaintiff.

2. Thus, the plaintiff's claim of this case is justified, and it constitutes the above-mentioned money among the judgment of the court of first instance which has a different conclusion.