1.The judgment of the first instance shall be modified as follows:

The defendant shall pay to the plaintiff KRW 6,211,049 as well as to the plaintiff on May 1, 2008.

1. The following facts do not conflict between the parties, or Gap evidence No. 4, Gap evidence No. 5 [application for individual membership of the Credit Card CAS HPS) and Gap evidence No. 6 [No. 5 and No. 6] are presumed to have established the authenticity of the entire document because there is no dispute over each part of the defendant's signature. The defendant defense that "the date of application" and "the date of receipt" affixed with Gap evidence No. 5 and No. 6 are altered, but there is no evidence to prove that they are altered. But Gap evidence No. 8 [the date of application for renewal of debt approval and commitment (for repayment agreement), hereinafter "the letter of commitment of this case" and "the statement No. 9" and the financial transaction information of the National Bank's business support center of this court], and the defendant's submission order of the entire statement No. 9 and the purport of No. 1 of the whole statement of this case cannot be acknowledged as being transferred to the plaintiff on April 208, 2007.

Around December 13, 2000, the Defendant obtained each credit card from Samsung Card Co., Ltd. (hereinafter referred to as the “Tsung Card”) and used it on October 1, 2001, and delayed payment of credit card usage fees, etc. as of March 31, 2005. As of March 31, 2005, the principal amount of the Defendant’s obligations, such as the credit card price, etc. against Samsung Card, is KRW 589,244, and KRW 7,129,898, and the credit card price, etc., against Cho Jong Bank.