1. The defendant's appeal is dismissed.

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

Purport of claim and appeal

[Claim]

1. The following facts may be found either in dispute between the parties or in combination with the whole purport of the pleadings in each entry in Gap evidence 1 to 4:

The defendant, around April 2001, was issued a credit card by the National Agricultural Cooperative Federation of Agricultural Cooperatives (hereinafter referred to as the "Agricultural Cooperative Federation") and used it, but did not pay the credit card price on the settlement date designated.

B. The card price that the Defendant did not pay is as of July 19, 2016, KRW 14,962,935 (i.e., the principal amount of KRW 1,257,100 (i.e., KRW 13,705,835) and interest for 23% per annum shall be added to the principal of the card price in arrears.

C. Meanwhile, on March 23, 2005, the NAF transferred the credit card payment claim against the Defendant to the Plaintiff, and notified the Defendant of the assignment of the credit, and the said assignment of credit was delivered to the Defendant around that time.

2. According to the above facts of recognition as to the cause of the claim, the Defendant is obligated to pay to the Plaintiff 14,962,935 won and 1,257,100 won among them at the rate of 23% per annum from July 20, 2016 to the date of full payment.

3. Judgment on the defendant's assertion

A. The defendant's assertion that the plaintiff exempted the defendant from the defendant's credit card payment obligation exceeding KRW 200,000, and the repayment period for the above KRW 200,000 was suspended.

B. In light of the records on No. 1, the Plaintiff exempted the Defendant’s credit card payment obligation exceeding KRW 200,000,000, and it is insufficient to recognize the fact that the Plaintiff suspended the repayment period for KRW 200,000, and there is no other evidence to acknowledge it.

Therefore, the defendant's above assertion is without merit.

4. Conclusion, the plaintiff's claim of this case should be accepted as reasonable.

The judgment of the court of first instance is just in conclusion, and the defendant's appeal is dismissed as it is without merit.