The defendant shall pay to the plaintiff KRW 39,996,450 and KRW 38,941,238 among them, per annum from January 14, 2020 to the day of full payment.

If the purport of the entire argument is added to the statement in subparagraph 1-3 of the evidence No. 1-3, the defendant obtained and used a credit card from the plaintiff on October 13, 1997. The defendant did not pay credit card bills from December 12, 2019. The defendant's unpaid credit card bills are 38,941,238 won as of January 13, 2020, interest 917,007 won, delay damages 138,205 won, and the agreed overdue interest rate after February 8, 2018 is 23.9% per annum.

Therefore, the Defendant is obligated to pay to the Plaintiff damages for delay calculated at the rate of 23.9% per annum from January 14, 2020 to the date of full payment with respect to the total amount of KRW 39,96,450 and the principal amount of KRW 38,941,238.

The plaintiff's claim for conclusion is justified, and it is so decided as per Disposition.