1. The defendant's appeal is dismissed.

2. The costs of appeal shall be borne by the Defendant.

3. The judgment of the court of first instance No. 1 and No. 2

1. Basic facts

A. D Co., Ltd., the Defendant’s telegraphic transfer of credit card companies, after dividing the company into E Co., Ltd. on September 1, 2014, transferred all rights and obligations relating to the credit card business sector to E Co., Ltd., and thereafter, E Co., Ltd., upon combining H Co., Ltd. on December 1, 2014, changed its trade name into “B Co., Ltd.” as of December 1, 201; hereinafter “Co. D”) and “B Co., Ltd.,” without distinguishing between “Defendant Co., Ltd.” and “B Co., Ltd...., Ltd......” from “Defendant.” The “instant card” (hereinafter “instant card”).

(2) On September 201, the Plaintiff entered into the instant card member agreement with the Defendant through the Internet (hereinafter “instant contract”) and was issued the instant card. In addition to the credit purchase function of the credit card, the instant card was sent out as a product that provides various additional services, including the accumulation of mileage (the mileage that can be converted to the mileage of various airlines at the time when the subscriber wishes to use) on 2 miles per 1,500 won per use (the mileage that may be converted to the mileage of various airlines).

The term of validity of the instant card issued by the Plaintiff is until January 31, 2017, and annual fees is KRW 100,000.

After November 20, 2013, the Plaintiff received the re-issuance of the instant card on the ground of the card room. The validity of the re-issuance card is until January 31, 2019.

B. On February 26, 2013, the Defendant changed the value-added service: (a) reduced the rate of accumulation per 1,500 won from September 1, 2013, which was provided to the instant card members, from 1,500 won due to the aggravation of the profitability of card products following the change of market environment due to the Internet homepage, notice, etc. to the members, including the Plaintiff; and (b) notified that other additional services reduce the conditions and frequency of provision.

C. The instant card’s personal member terms and conditions are stipulated.