1. The Defendant shall pay to the Plaintiff the amount of KRW 36,081,457 and KRW 3,740,586 among them, from April 10, 2019 to the date of full payment.

1. Determination on the cause of the claim

A. The facts of recognition (1) The Defendant concluded a credit card use contract with the Plaintiff, and used the credit card by receiving the credit card loan.

(2) On April 9, 2019, the Defendant’s total amount of loans and credit card usage charges owed to the Plaintiff is KRW 36,081,457, and the details thereof are as follows.

The fact that the overdue interest rate on the overdue principal of the loan due is 9,00,000,000 won 3,740,586 won 106,084 won 239,828 won 20.25% 14,60,000 won 13,343,180 won 42,451 won 881,044% 21.36% (A) the overdue interest rate on the overdue principal of the loan 21.36% - the overdue interest rate of 6,030,156 won 106,601 won 350,367 won 22.7% CA9,700,000 won 309,167 won 84,792 won 7,201 won - 7,201 won of annual fee - Gap's evidence - No. 14,000 won in all the arguments

B. According to the above facts of recognition, the defendant is obligated to pay the above loan, credit card use price, and damages for delay to the plaintiff.

2. In conclusion, the defendant is obligated to pay the plaintiff 2.7% per annum from April 10, 2019 to the date of full payment of loans and the principal amount of loans 3,740,586 won and 20.25% per annum from April 10, 2019 to the date of full payment of loans (hereinafter the same shall apply), 21.36% per annum from April 10, 2019 to the date of full payment of loans, 6,030,156 won per annum from credit card use to the date of full payment of loans, and 22.7% per annum from April 10, 2019 to the date of full payment of the principal amount of loans, and 9,70,000 won per annum from April 10, 2019 to the date of full payment of the credit card use to the date of full payment of the principal amount of loans. Thus, the plaintiff's claim for late payment of 24% per annum from April 10 to the date of full payment.