1. The defendant shall pay to the plaintiff KRW 34,474,856 and KRW 32,523,708 among them, per annum from November 4, 2017 to the day of full payment.

1. Facts of recognition;

A. On August 10, 2006, the Defendant joined as an individual member of the Plaintiff’s credit card and used the credit card.

B. The standard terms and conditions on personal member of the Plaintiff, to which the Defendant joined, provide that “where the balance of deposits and the amount of credit limit falls short of the amount of settlement, a member fails to pay credit card use money on the date of settlement, the member shall calculate the number of overdue days from the day following the date of settlement to the date of full payment and bear additional liability for delay, and the interest rate

(See Articles 15(4) and (6) of the Standard Terms and Conditions

On August 25, 2017, the Defendant started to delay the settlement of the credit card use payment, and on November 3, 2017, the outstanding principal reaches KRW 32,523,708 as of November 3, 2017, and the late interest rate of KRW 1,951,148 arose. The overdue interest rate determined by the Plaintiff is 27.9% per annum.

[Reasons for Recognition] The entry of Gap evidence Nos. 1 through 4 and the purport of the whole pleadings

2. According to the above facts, the Defendant is obligated to pay to the Plaintiff delay interest rate of KRW 34,474,856 (=32,523,708 1,951,148) plus delay interest rate of KRW 32,523,708, which is the following day of the above basic date, from November 4, 2017 to the date of complete payment.

3. If so, the plaintiff's claim is justified and it is so decided as per Disposition.