1. The plaintiff's appeal is dismissed.

2. The costs of appeal shall be borne by the Plaintiff, and those resulting from the participation in the appeal.

1. The parties' assertion

A. The Plaintiff’s assertion is that the Defendant obtained a credit card from each financial institution or obtained a credit card loan, and the Defendant’s principal and interest obligation to be borne by the Defendant as of July 13, 2015 due to delinquency in payment of each credit card use price and credit card loan as indicated below is indicated in the following table. As such, the Plaintiff received the transfer of the claim from each financial institution and completed the notification of the transfer, the Defendant is obligated to pay to the Plaintiff damages for delay on the amount stated in the column of “total” and “loan balance” column as below.

[mark] 2,853,134 won 2,579,683 won 5,683 won 5,432,817 won 2,450 won 356,949 won 1,349,948,399 won 3 national card 2,000 won 2,985,822 won 8,985,985,8222 won 4 foreign exchange bank credit card 666,63,663,70,373 won 1,70,70,6361,5361,5361,5361,53638,947,947,57,9637,57,940 won

B. The defendant's assertion from February 12, 2010 to the same year

9. Until June, 16, each credit card mentioned in the above table was issued in the name of the defendant without the defendant's consent and used in the name of the defendant. Thus, the defendant is not liable to pay it.

2. Determination

A. (1) According to the overall purport of entry and pleading of evidence Nos. 4-1, 9-1, 5-5, evidence Nos. 1 through 5, and evidence Nos. 2, the judgment on the claim for the use of the new card (1) as to the claim for the use of the new card, the defendant is from February 12, 2010 to the same year.

9. Until March 16, 201, which was confined to prisons, the application for the issuance of a new card was made on the Internet on March 24, 2010, when the number was under guard, through the Internet, and the Plaintiff’s Intervenor verified the application for the issuance of a credit card under the name of the Defendant’s mobile phone (number : C) and subsequently, the credit card number: D.