1. The part of the judgment of the first instance against the plaintiff shall be revoked.

The defendant shall pay to the plaintiff KRW 39,686,041 and KRW 30,657,420 among them.

1. In the first instance trial, the Plaintiff claimed a payment of KRW 39,686,041 in total amount of loan claims in KRW 3,885,887 and credit card usage claims in KRW 39,686,041 that were acquired from Cho C&D Co., Ltd., and from new card Co., Ltd., Samsung Card Co., Ltd., Samsung Card Co., Ltd., Samsung Card Co., Ltd., Ltd., Korea Card Co., Ltd., Ltd., Korean National Bank, and Korea Exchange Bank (hereinafter the above “Co., Ltd.”), and the first instance court dismissed the remainder of the

Since only the plaintiff appealed against this, the claim for the loan that was taken over from Cho Credy Co., Ltd. is excluded from the scope of the judgment of this court.

2. As to the claim for the credit card use money

A. The Defendant issued and used each credit card around 199 from the foreign exchange bank, the National Bank of Korea and Samsung Card around 2001, the Samsung Card and the New Card around 2005, the 2,369,320 won as of April 13, 201, including the principal amount, KRW 8,154,95 won, delay damages, etc., KRW 2,369,320 as of April 13, 201, the claims of the us card remain the principal amount, KRW 6,066,196, KRW 2,348,487, delay damages, etc., the principal amount, KRW 9,588,713 won, KRW 1,807, KRW 713, KRW 7394, KRW 4394, KRW 48,487, KRW 297, KRW 2716, KRW 276767, and KRW 2816, etc., the Plaintiff’s transfer interest and delay damages.

[Ground of recognition] Each entry of Gap evidence Nos. 1 through 4, 6 through 13 (including paper numbers), the purport of the whole pleadings

B. Therefore, the defendant's total amount of the transferred money to the plaintiff 39,686.