A defendant shall be punished by imprisonment for not more than ten months.

Punishment of the crime

On December 2, 2011, the Defendant was at the lowest level 10,000 won of credit guarantee foundations and the history of loans from loan companies, such as mountain and money. Accordingly, the Defendant was unable to obtain additional credit cards in the name of the Defendant. The Defendant was at least 2,500,000 won per month for credit card use or installment payments, the principal of private loan and interest on private loan were paid at the time, and the Defendant was at least 2,50,000 won per month, and the Defendant was unable to meet monthly expenditure, and thus was unable to prevent overdue payment by lending money from cash service or land, and thus, the Defendant did not normally have the ability to borrow money from the victim E with D, use or lend a credit card of the victim D, purchase a vehicle or mobile phone in the name of the victim, purchase a credit card in the name of the victim D, or receive cash service from the victim D, and there was no intention to use the loan or payment on the date of cash loan or payment on the due date.

1. Fraud against victim D;

A. On December 19, 2011, the Defendant borrowed money from the Defendant on December 19, 201, with the loan of KRW 3,000,000 from the Hyundai Swiss Savings Bank to the Defendant at the victim’s house located in the 3-201 Dong-gu, Changwon-si, Changwon-si on December 19, 201.

The phrase “ makes a false statement.”

However, the Defendant did not have any intent or ability to repay the money due to the above circumstances.

The Defendant received 3,000,000 won from the damaged person as the borrowed money from another person and acquired it by transfer from another person to a criminal account (G) in the name of the Defendant.

B. On April 2012, the Defendant: (a) borrowed an additional modern card to the victim at the victim’s house located in the Changwon-si, Changwon-si, Masan apartment 3 Dong 201; and (b) used it.