1. The defendant shall pay to the plaintiff KRW 21,349,337 and KRW 13,670,376 among them, per annum from June 14, 2016 to the date of full payment.

1. According to the overall purport of Gap evidence Nos. 1 through 5 and all pleadings as to the cause of the claim, the facts constituting the cause of the claim in the separate sheet can be acknowledged.

Therefore, the Defendant is obligated to pay to the Plaintiff delay interest rate of 23.7% per annum, which is the overdue interest rate of 23.7% per annum from June 14, 2016 on the following day to the date of full payment of the principal and interest of credit card loans, and the total amount of 13,670,377 won per annum from June 14, 2016 to the date of full payment of the principal and interest of credit card loans, to the Plaintiff at the rate of 24.3% per annum, which is the overdue interest rate of 24.3% per annum from June 14, 2016 to the date of full payment.

(2) If the plaintiff's claim of this case is reasonable, the plaintiff's claim of this case is accepted, and it is so decided as per Disposition by the court below.