1. The defendant shall pay to the plaintiff KRW 21,571,362 as well as KRW 20,370,130 among them, from October 6, 2015 to the day of full payment.

1. Facts of recognition;

A. On January 30, 2012, the Defendant, upon entering into a credit card use contract with the Plaintiff (former Foreign Exchange Card Co., Ltd.) and obtaining a credit card, lost the benefit of time due to the occurrence of delinquency.

B. The plaintiff and the defendant agreed to pay overdue interest in accordance with the overdue interest rate set by the plaintiff at the time of the above contract. The present interest rate shall be 24% per annum.

C. As of October 5, 2015, the Defendant’s credit card use amount to be paid to the Plaintiff as of October 5, 2015 is the principal amounting to KRW 20,370,130, late payment charge to KRW 480,059, fees to KRW 721,173, above the total amount of KRW 21,571,362.

[Ground of recognition] Facts without dispute, entry of Gap 1 to 6 evidence, purport of the whole pleadings

2. According to the above facts of recognition, the Defendant is obligated to pay to the Plaintiff damages for delay calculated at the rate of 24% per annum from October 6, 2015 to the date of full payment, with respect to KRW 21,571,362 and KRW 20,370,130.

Therefore, the plaintiff's claim is justified, and this is accepted.