1. The Defendant’s KRW 45,134,209 and its portion

(a) As regards KRW 6,723,547, the full payment shall be made from September 11, 2015.

1. According to the evidence No. 1 to No. 7, the following facts can be acknowledged.

On October 20, 2008, the Korea CTR Bank Co., Ltd. (hereinafter referred to as the “CTR Bank”) issued a credit card to the Defendant (29.9% per annum). The Defendant delayed payment of the credit card use amount from August 30, 2014, and the payment of the credit card use amount as of September 10, 2015 is KRW 6,723,547, interest amount is KRW 7,292,347.

B. In addition, on October 20, 2008, Sti Bank extended a loan with interest of KRW 12.5% per annum (18% per annum) to the Defendant on October 20, 2008 and due date of repayment on October 20, 201. The Defendant delayed the payment of loans from August 30, 2014, and as of September 10, 2015, the unpaid principal was KRW 9,00,000, interest of KRW 6,523,718.

C. In addition, on January 7, 2009, Sti Bank lent a loan of KRW 12.5% per annum (18% per annum) to the Defendant on January 7, 2012, with the due date fixed on January 7, 2012. The Defendant delayed the payment of the loan from August 30, 2014, and the outstanding loan principal as of September 10, 2015 is KRW 8,984,866, interest rate of KRW 6,609,731.

On September 29, 2014, Sti Bank notified the Defendant of the credit card payment and loan claims after transferring them to the Plaintiff.

2. According to the above facts of determination, the Defendant is obligated to pay to the Plaintiff damages for delay at the rate of 18% per annum from September 11, 2015 to September 11, 2015 to the date of full payment with respect to the credit card payments, loans, and interest thereon, and the credit card payments of outstanding credit cards, 6,723,547 won.

3. In conclusion, the plaintiff's claim of this case is reasonable, and it is so decided as per Disposition.