1. The defendant's appeal is dismissed.

2. The costs of appeal shall be borne by the Defendant.

Purport of claim and appeal

[Claim]

1. On February 2017, the Defendant entered into a credit card use contract with the Plaintiff (hereinafter “instant credit card use contract”).

The overdue interest rate for goods in arrears shall be 23.7% per annum 7,074, 328 314,436, 38, 768, 764 temporary payment per annum 85,250 1,978, 878, 862, 318, 3050 892,368,62,687 total 62,687 8,684,58346, 4648, 431, 047 as of June 17, 2019, the sum of principal and interest on credit card use under the credit card use contract of this case shall be 8,431,047 won, and the detailed details shall be as follows:

[Ground of recognition] Facts without dispute, entry of Gap evidence Nos. 5 through 9, purport of the whole pleadings

2. According to the above facts of determination, the Defendant is obligated to pay to the Plaintiff the amount of KRW 8,431,047 and the amount of KRW 7,074,328 of the card loan principal from June 18, 2019, the agreed interest rate of KRW 23.7% per annum, and the agreed interest rate of KRW 85,250 per annum from June 18, 2019 to the date of full payment, and the agreed interest rate of KRW 16% per annum, which is the overdue interest rate of KRW 862,318 of the cash service from June 18, 2019 to the date of full payment, and the interest rate of KRW 24% per annum, which is the overdue interest rate of KRW 24% per annum, from June 18, 2019 to the date of full payment.

In regard to this, the defendant asserts that the amount of the unpaid obligation should be reduced in consideration of various difficulties of the defendant (family, health problems, other liabilities, etc.), but the defendant's above assertion cannot be legally permitted, so it cannot be accepted.

3. The plaintiff's claim should be accepted on the ground of its reasoning.

The judgment of the first instance court is just in conclusion, and the defendant's appeal is dismissed as it is groundless.