1. The Defendant is 23.5% from February 4, 2017 to the date of full payment with respect to KRW 42,654,574 and KRW 8,500 among them to the Plaintiff.

1. Comprehensively taking account of the purport of the arguments in Gap evidence No. 1 to 4 as to the cause of the claim, the defendant used credit card issued by the plaintiff in lump sum or in installment, or received cash services using a credit card. The defendant's debt owed to the plaintiff as of February 3, 2017 with respect to the above credit card as of February 3, 2017 (165 won for temporary payment and late payment, 17,356,172 won for principal and late payment, 481,828 won for late payment, cash services principal and late payment charges, 23,60,000 won for late payment and late payment damages, 1,207,90 won for late payment and late payment damages, 23.5% per annum for late payment, 24.5% per annum for late payment, 205% per annum for late payment damages, 265% per annum for late payment damages, 275% per annum for late payment damages, 275% per annum for the above.2746% per annum.

2. On April 28, 2017, the Defendant’s assertion on the Defendant’s assertion was served with a duplicate of the instant complaint, and applied for personal bankruptcy and exemption under the Daejeon District Court Decision 2017Hadan10106, 2017Da10106, the Daejeon District Court rendered an application for individual bankruptcy and exemption, and thus, the date of adjudication is extended until the date of the decision. However, the Defendant’s assertion that the Plaintiff’s claim is delayed by the date of the decision. However, the mere application for bankruptcy and exemption does not constitute a ground for rejecting the Plaintiff’s claim, and the Defendant

3. It is so decided as per Disposition by the assent of all participating Justices on the ground that the plaintiff's claim is reasonable.