1. The defendant shall pay to the plaintiff the amount of KRW 48,287,629 and KRW 23,100,789 among them, from November 5, 2014 to the day of full payment.

Comprehensively taking account of the overall purport of arguments as to Gap evidence Nos. 1 through 3, Gap evidence Nos. 4-1 through 4, and Gap evidence Nos. 6, the facts that the new card used the credit card that was not paid by the defendant until November 3, 2014 were 16,457,636, total 30,584,325; the fact that Samsung Card used the credit card that was not paid by the defendant until November 3, 2014 was 8,729, total 17,703,304, total 17,703,304, and each of the above credit card Nos. 6304, May 31, 2013; the fact that the agreed interest rate was 17% per annum, and the new credit card No. 2361, Jun. 1, 2013, each of the above claims was transferred to the plaintiff.

The Plaintiff asserted that SBA received a claim of KRW 5,050,370 and KRW 5,480,535 as of November 3, 2014 from the above savings bank as of January 3, 2014 against the Defendant of the Savings Bank by SBA, and that the above savings bank notified the Defendant of the transfer of the claim, but there is not any other evidence to acknowledge it.

Therefore, the Defendant is obligated to pay the Plaintiff damages for delay calculated at the rate of 17% per annum, which is the overdue interest rate for the credit card use amount and the total amount of interest to be paid (30,584,325 won 17,703,304) and the credit card use amount (i.e., KRW 14,126,689 won, KRW 8,974,100) from November 5, 2014 to the day of full payment (i.e., the agreed interest rate of KRW 14,126,689).

The plaintiff's claim is justified within the scope of the above recognition, and the remaining claims are dismissed as it is without merit. It is so decided as per Disposition.