1. The defendant's appeal is dismissed.

2. The costs of appeal shall be borne by the Defendant.

Purport of claim and appeal

1..

1. On April 8, 2011, in full view of the purport of Gap's evidence No. 1 (the defendant's application form for membership, the defendant's signature part was altered even after recognizing the plaintiff's signature part. However, in full view of Gap's evidence No. 10 and the purport of the whole pleadings, it is recognized that the credit card price used by the defendant has been continuously settled from the defendant's account that applied for automatic transfer, and other contents of the defendant's answer, etc., the defendant's appeal can be established, and there is no other evidence to support the defendant's assertion of the above alteration. Thus, the defendant's above assertion is not accepted), Gap's evidence No. 2 through 4, and 6 through 8, and the whole purport of the argument is as follows: the defendant entered into an agreement on credit card transaction with the plaintiff to apply the overdue interest rate set by the plaintiff; the defendant's credit card transaction rate of overdue interest rate of KRW 390,915, overdue interest rate of KRW 290,3989.1.5% per annum, 296.39.

2. Thus, the plaintiff's claim of this case is justified, and the judgment of the court of first instance is just, and the defendant's appeal is dismissed as it is without merit. It is so decided as per Disposition.