1. The defendant shall pay to the plaintiff the amount of KRW 29,569,392 and KRW 28,934,707 from October 2, 2019 to the day of full payment.

1. According to the overall purport of the statements and arguments stated in Gap evidence Nos. 1 through 4, the defendant used the credit card issued by the plaintiff, but failed to repay the credit card price of KRW 28,934,707 as of October 1, 2019 and the interest and incidental debt thereon, and the overdue interest rate of KRW 634,685 is 23.9% per annum.

2. According to the above facts of determination and conclusion, the Defendant is obligated to pay to the Plaintiff damages for delay calculated at the rate of 23.9% per annum, which is the overdue interest rate of KRW 29,569,392 and KRW 28,934,70 among them, from October 2, 2019 to the date of full payment.

Therefore, the plaintiff's claim of this case is justified and it is so decided as per Disposition.