1. The defendant shall pay to the plaintiff the amount of KRW 35,442,715 and the amount of KRW 34,736,026 from October 29, 2019 to the date of full payment.

Comprehensively taking account of the overall purport of the arguments as to Gap evidence Nos. 1 and 2, the defendant entered into a credit card subscription contract with the plaintiff around October 28, 2010 and received credit cards around that time. The defendant's overdue credit card user fee, etc. as of October 28, 2019 is 35,442,715 won (=the principal interest accrued at KRW 34,736,026 and interest accrued at KRW 653,565). It is recognized that the overdue interest rate on the credit card user fee, etc. determined by the plaintiff was 23.9% per annum from February 8, 2018 to the present.

According to the above facts, the defendant is obligated to pay to the plaintiff 35,442,715 won and 34,736,026 won, the principal of which is the credit card use price, etc., with 23.9% interest rate per annum, which is the overdue interest rate from October 29, 2019 to the date of full payment.

Therefore, the plaintiff's claim of this case is reasonable, and it is decided as per Disposition by admitting it.