1. Revocation of a judgment of the first instance;

2. The plaintiff's claim is dismissed.

3. All costs of the lawsuit shall be borne by the Plaintiff.

1. The fact that the defendant has no dispute is given a loan of KRW 10,00,00 from the Choung Bank Co., Ltd. on November 29, 1996 with the due date set on August 30, 1997, and extended the due date on or around September 28, 1997. The defendant was granted a credit card from the Choung Bank on July 29, 196 and used until September 29, 198 with the credit card issued on September 29, 1998, and the payment of part of the debt was made on September 8, 2002, there is no dispute between the parties.

2. The judgment is based on the following: (a) the Plaintiff sought payment against the Defendant from the transferee of the credit card loan and the credit card use payment claim; (b) on the other hand, the Defendant asserts that the claim sought by the Plaintiff has expired due to the completion of the statute of limitations; (c) the Defendant’s repayment period for the credit card payment was February 28, 1998; and (d) the Defendant’s repayment on September 8, 2002 of part of the credit card payment obligation is as seen earlier; (c) the instant lawsuit is apparent in the record that it was filed on June 20, 2012, which was five years after the lapse of the period prescribed in Article 64 of the Commercial Act; and (d) the Plaintiff’s claim for the loan and the credit card use payment claim claimed

3. Thus, the plaintiff's claim shall be dismissed as it is without merit, and the judgment of the court of first instance shall be revoked and the plaintiff's claim shall be dismissed. It is so decided as per Disposition.