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. Comprehensively taking account of the overall purport of the arguments in Gap evidence Nos. 1 through 3 as to the cause of the claim, the defendant was obliged to use the credit card No. C with the plaintiff's credit card No. 4,616,782 won as of July 27, 2016, overdue interest of KRW 660,609 as of June 12, 2017, and overdue interest of KRW 5,490,686 as of June 13, 2017. The fact that the credit card No. 21.9% per annum is overdue interest rate of KRW 5,490,686 as well as the principal amount of KRW 4,616,782 as of the above base date, and the overdue interest rate of KRW 21.9% per annum as of June 13, 2017.

(1) The Plaintiff asserted that the Plaintiff did not delay the payment of the credit card price until July 2016, and that the Plaintiff terminated the above credit card use contract and did not use the said credit card after July 2016. However, according to the evidence submitted by the Plaintiff, the Defendant’s assertion is acceptable as it can be acknowledged that the Defendant did not delay the payment of the credit card price as above. 2. As such, the Plaintiff’s claim should be accepted for reasons.

The judgment of the first instance is just based on the conclusion, and the defendant's appeal is dismissed as it is without merit.