1. As to KRW 11,923,417 among the Plaintiff’s KRW 39,79,551 and the Plaintiff’s KRW 11,923,417 from January 24, 2015 to the date of full payment, the Defendant shall pay the Plaintiff 24.

1. Determination on the cause of the claim

A. In full view of the purport of the entire pleadings as to the statements in Gap evidence Nos. 1 through 4, the defendant can be recognized as having not paid the credit card price as follows while using the credit card issued by the plaintiff.

B. Therefore, the Defendant is obligated to pay to the Plaintiff damages for delay calculated at the rate of 23.5% per annum for KRW 24.5% per annum for KRW 39,79,551 and KRW 11,923,417 from January 24, 2015 to the date of full payment, and for KRW 18,521,892 for cash services, 29% per annum for KRW 8,680,579.

2. It is so decided as per Disposition by the assent of all participating Justices on the ground that the plaintiff's claim of this case is reasonable.