1. The defendant shall pay to the plaintiff the amount of KRW 23,681,367 and KRW 21,984,97 among them, from August 25, 2015 to the day of full payment.

1. Facts of recognition;

A. On April 9, 2014, a credit card company with Defendant entered into an agreement with a credit card member, and the Plaintiff issued a credit card to the Defendant on the same day pursuant to the said agreement.

B. On December 1, 2014, the Plaintiff (former Foreign Exchange Card Co., Ltd.) merged the ice Card Co., Ltd.

C. From May 23, 2015, the Defendant delayed payment of the credit card price from May 23, 2015. As of August 24, 2015, the Defendant’s credit card use price in arrears was total of KRW 23,681,367 [The Defendant’s credit card use price in arrears = KRW 21,984,97 [i.e., the principal amount of KRW 21,984,97 [i.e., KRW 7,863,93 foreign exchange card KRW 14,120,987], KRW 652,572 (i.e., the KS card’s 191,862 foreign exchange card), and KRW 1,043,818 (i.e., e., KRW 443,942 foreign exchange card)]; on June 1, 2014, the overdue rate determined by 24% per annum.

[Ground of recognition] Facts without dispute, entry of Gap evidence 1 to 4, purport of the whole pleadings

2. According to the above facts of recognition, the defendant is obligated to pay to the plaintiff 23,681,367 won and 21,984,97 won among them with 24% interest per annum from August 25, 2015 to the date of complete payment.

In this regard, the defendant asserts to the effect that he cannot respond to the plaintiff's claim because he is scheduled to file an application for individual rehabilitation, but there is no evidence to prove that the defendant filed an application for individual rehabilitation, and the circumstance that he filed an application for individual rehabilitation cannot be a ground to reject the plaintiff's claim.

3. If so, the plaintiff's claim is reasonable and acceptable.