1. The Defendant shall pay to the Plaintiff KRW 24,51,591 as well as KRW 23,941,280 among them, from July 12, 2016 to the day of full payment.

1. The judgment on the cause of the claim (Provided, That the creditor is the plaintiff, the debtor is the defendant) is not in dispute between the parties, or can be recognized in full view of the purport of Gap evidence Nos. 1 through 3 and the whole pleadings. Thus, the defendant is obliged to pay to the plaintiff damages for delay calculated at the rate of 27.9% per annum, which is the overdue interest rate of 27.9%, from July 12, 2016 to the date of full payment of the final interest calculation, for the total amount of principal and interest of KRW 24,51,591 and the principal amount of KRW 23,941,280

2. As to the defendant's defense, the defendant is scheduled to apply for individual rehabilitation including the plaintiff's credit card user's credit card user's credit card transaction claim, and thus, the defendant's assertion is without merit.

3. The plaintiff's claim of this case is justified and it is so decided as per Disposition.