A defendant shall be punished by imprisonment for not less than eight months.

Punishment of the crime

1. On January 23, 2008, the Defendant was using one copy of Hyundai CardM, which is a credit card, at the Modong Daegu Daegu-gu 177-4-9 business office, Daegu-gu, Daegu-gu, 2008. On August 20, 2012, the Defendant acquired a credit card loan by telephone from an employee in charge of Hyundai Card, despite the fact that he was liable for a debt exceeding 200 million won at the time, and that he did not have the intent or ability to repay the loan with a credit card because he did not have any particular property, and acquired the credit card loan from the employee in charge of Hyundai Card to the Daegu-gu bank under the name of the Defendant on the same day by receiving the amount of 20 million won owned by Hyundai Card Co.,, Ltd.

2. On the 29th day of the same month, the Defendant: (a) purchased only one car (D) in Daegu Northern-gu B; and (b) had no intent or ability to pay the credit card price as above; and (c) had, notwithstanding that he thought to do so by disposing of the vehicle and make cash, applied for a specific service for vehicle purchase fund to an employee of the modern card in the name-free modern card by telephone; and (d) had the Defendant Hyundai Card Co., Ltd. pay 30,009,228 won with a three-month installment agreement, and had the victim Hyundai Card Co., Ltd. pay the above vehicle price.

Summary of Evidence

1. Defendant's legal statement;

1. Complaints of E preparation;

1. Personal credit report and details of deposit transactions;

1. Application for membership of a modern card member, register of motor vehicles, confirmation of the use of card, president of a loan ledger, inquiry of overdue interest, and application of Acts and subordinate statutes of the balance inquiry;

1. Relevant Article 347 (1) of the Criminal Act, the choice of punishment for the crime, and the choice of imprisonment;

1. Of concurrent offenders, the reasons for sentencing under the former part of Article 37, Article 38(1)2, and Article 50 of the Criminal Act did not have the intent or ability to repay even if the Defendant was granted a credit card loan, and passenger cars with the intent of financing.