{"id":1954,"date":"2026-10-22T20:23:13","date_gmt":"2026-10-22T11:23:13","guid":{"rendered":"https:\/\/unionize.kr\/?p=1954"},"modified":"2026-10-22T20:23:13","modified_gmt":"2026-10-22T11:23:13","slug":"installment-withdrawal-vs-defense","status":"publish","type":"post","link":"https:\/\/unionize.kr\/?p=1954","title":{"rendered":"\ud560\ubd80\ucca0\ud68c\uad8c\u00b7\ud56d\ubcc0\uad8c \ucc28\uc774: 20\ub9cc\uc6d0\u00b7\ubd84\ud560\ub0a9\ubd80 \uc870\uac74\ub9cc \ubcf4\uba74 \uc548 \ub418\ub294 \uc774\uc720"},"content":{"rendered":"<p>\ud560\ubd80\ub85c \uc0b0 \ubb3c\uac74\uc744 \ucde8\uc18c\ud558\ub824\ub294 \uacbd\uc6b0\uc640, \uc57d\uc18d\ud55c \uc11c\ube44\uc2a4\ub97c \ubc1b\uc9c0 \ubabb\ud574 \ub0a8\uc740 \ud560\ubd80\uae08\uc744 \ub2e4\ud22c\ub294 \uacbd\uc6b0\ub294 \ud655\uc778\ud560 \uad8c\ub9ac\uac00 \ub2e4\ub985\ub2c8\ub2e4. \ud560\ubd80\ucca0\ud68c\uad8c\uc740 \uc815\ud574\uc9c4 \uae30\uac04 \uc548\uc5d0 \uacc4\uc57d\uc744 \ucca0\ud68c\ud558\ub294 \ubb38\uc81c\uc774\uace0, \ud560\ubd80\ud56d\ubcc0\uad8c\uc740 \uc815\ub2f9\ud55c \uc0ac\uc720\uac00 \uc788\uc744 \ub54c \ub0a8\uc740 \ud560\ubd80\uae08 \uc9c0\uae09\uc744 \uac70\uc808\ud558\ub294 \ubb38\uc81c\uc785\ub2c8\ub2e4. \uae08\uc561\uacfc \ubd84\ud560 \ud69f\uc218\ub9cc \ub9de\uc73c\uba74 \ubaa8\ub4e0 \uac70\ub798\uc5d0\uc11c \uc790\ub3d9 \uc801\uc6a9\ub418\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n<h2>\uacf5\ud1b5 \ucd9c\ubc1c\uc810: \uae08\uc561\u00b7\uae30\uac04\u00b7\ubd84\ud560 \ud69f\uc218<\/h2>\n<p>\ubc95\uc81c\ucc98 \uc0dd\ud65c\ubc95\ub839\uc815\ubcf4\uc758 \ube44\uad50\ud45c\ub294 20\ub9cc\uc6d0 \uc774\uc0c1, 2\uac1c\uc6d4 \uc774\uc0c1\uc758 \uae30\uac04\uc5d0 \uac78\uccd0 3\ud68c \uc774\uc0c1 \ub098\ub220 \ub0b4\ub294 \uac70\ub798\ub97c \uacf5\ud1b5 \uc694\uac74\uc73c\ub85c \uc548\ub0b4\ud569\ub2c8\ub2e4. \uc6d4\ubcc4 \ub0a9\ubd80\uc561\uc774 20\ub9cc\uc6d0 \uc774\uc0c1\uc774\uc5b4\uc57c \ud55c\ub2e4\ub294 \ub73b\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uacb0\uc81c \ub0b4\uc5ed\uc758 \uac70\ub798\uae08\uc561\u00b7\ud560\ubd80 \uae30\uac04\u00b7\ub0a9\ubd80 \ud69f\uc218\uc640 \uc0c1\ud488 \uc885\ub958\ubd80\ud130 \ud655\uc778\ud558\uc138\uc694. <a href=\"https:\/\/easylaw.go.kr\/CSP\/CnpClsMain.laf?ccfNo=2&amp;cciNo=1&amp;cnpClsNo=3&amp;csmSeq=2984&amp;popMenu=ov\">\ubc95\uc81c\ucc98 \uc2e0\uc6a9\uce74\ub4dc \ud560\ubd80\uac70\ub798 \uc548\ub0b4<\/a><\/p>\n<h2>\ucca0\ud68c\uad8c: 7\uc77c\uacfc \uae30\uc0b0\uc810\uc744 \ud568\uaed8 \ud655\uc778<\/h2>\n<p>\uc0bc\uc131 \uc57d\uad00\uc740 \ud560\ubd80\uacc4\uc57d\uc11c\ub97c \ubc1b\uc740 \ub0a0\uc744 \uc6d0\uce59\uc73c\ub85c \ud558\ub418, \uacf5\uae09\uc774 \ub2a6\uc5b4\uc9c4 \uacbd\uc6b0 \uacf5\uae09\ubc1b\uc740 \ub0a0 \ub4f1 \uc0c1\ud669\uc5d0 \ub530\ub978 \uae30\uc0b0\uc810\uc744 \ub450\uace0 7\uc77c \uc774\ub0b4 \ucca0\ud68c\ub97c \uc124\uba85\ud569\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \uce74\ub4dc \uc2b9\uc778\uc77c\uc5d0\uc11c\ub9cc \ub0a0\uc9dc\ub97c \uc138\uba74 \uacf5\uae09 \uc2dc\uc810\uacfc \ucc28\uc774\uac00 \ub0a0 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uacc4\uc57d\uc11c \uc218\ub839\uc77c\u00b7\uc0c1\ud488 \uc218\ub839\uc77c\u00b7\uc11c\ube44\uc2a4 \uc81c\uacf5\uc77c\uc744 \ud568\uaed8 \uae30\ub85d\ud558\uace0 \ud574\ub2f9 \uc808\ucc28\ub97c \ud655\uc778\ud558\uc138\uc694.<\/p>\n<h2>\uc0ac\uc6a9\u00b7\uc124\uce58 \ub4f1 \ucca0\ud68c \uc81c\uc678 \uc0ac\uc720\ub3c4 \ubd05\ub2c8\ub2e4<\/h2>\n<p>\uc0ac\uc6a9\uc73c\ub85c \uac00\uce58\uac00 \ud06c\uac8c \uc904 \uc218 \uc788\ub294 \uc0c1\ud488\uc744 \uc0ac\uc6a9\ud588\uac70\ub098, \uc804\ubb38 \uc124\uce58\uac00 \ud544\uc694\ud55c \ud2b9\uc815 \uae30\uae30\ub97c \uc124\uce58\ud55c \uacbd\uc6b0, \ubcf8\uc778\uc758 \ucc45\uc784\uc73c\ub85c \ud6fc\uc190\ud55c \uacbd\uc6b0 \ub4f1\uc740 \ucca0\ud68c\uac00 \uc81c\ud55c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0bc\uc131 \uc57d\uad00\uc5d0\ub294 20\ub9cc\uc6d0 \ubbf8\ub9cc\u00b7\uc0c1\ud589\uc704 \ubaa9\uc801\u00b7\ub9ac\ubcfc\ube59 \uc774\uc6a9\uae08\uc561 \ub4f1\uc758 \uc81c\uc678\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc778 \ubc95\ub839 \uc608\uc678\uc640 \uc0ac\uc5c5\uc790\uc758 \uace0\uc9c0 \uc5ec\ubd80\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ubbc0\ub85c \uc608\uc2dc \ubaa9\ub85d\ub9cc\uc73c\ub85c \ud655\uc815 \ud310\ub2e8\ud558\uc9c0 \ub9d0\uace0 \uacf5\uc2dd \uc548\ub0b4 \uc804\uccb4\ub97c \ub300\uc870\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h2>\ud56d\ubcc0\uad8c: \ub0a8\uc740 \ub300\uae08\uacfc \uacc4\uc57d \ubd88\uc774\ud589\uc744 \ud655\uc778<\/h2>\n<p>\uc57d\uc18d\ud55c \uacf5\uae09 \uc2dc\uae30\uae4c\uc9c0 \ubb3c\uac74\uc774\ub098 \uc11c\ube44\uc2a4\ub97c \ubc1b\uc9c0 \ubabb\ud588\uac70\ub098 \ud558\uc790\ub2f4\ubcf4\ucc45\uc784 \ubbf8\uc774\ud589 \ub4f1 \uc0ac\uc720\uac00 \uc788\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4. \uc0bc\uc131 \uc57d\uad00\uc740 \ud56d\ubcc0\uc73c\ub85c \uce74\ub4dc\uc0ac\uc5d0 \uc9c0\uae09\uc744 \uac70\uc808\ud560 \uc218 \uc788\ub294 \ubc94\uc704\ub97c \uc9c0\uae09\uae30\uc77c\uc774 \uc9c0\ub098\uc9c0 \uc54a\uc740 \ub098\uba38\uc9c0 \ud560\ubd80\uae08\uc73c\ub85c \uc124\uba85\ud569\ub2c8\ub2e4. \uc774\ubbf8 \ub0b8 \uae08\uc561\uc744 \ud3ec\ud568\ud574 \uc804\uc561\uc774 \uc790\ub3d9 \ud658\ubd88\ub41c\ub2e4\ub294 \ub73b\uacfc\ub294 \ub2e4\ub985\ub2c8\ub2e4. <a href=\"https:\/\/www.samsungcard.com\/personal\/customer-service\/conditions\/personal\/UHPPCC0379M0.jsp\">\uc0bc\uc131\uce74\ub4dc \uac1c\uc778\ud68c\uc6d0 \uc57d\uad00 \uc81c11~13\uc870<\/a><\/p>\n<h2>\ud310\ub9e4\uc790 \uc5f0\ub77d\uacfc \uce74\ub4dc\uc0ac \uc811\uc218 \uae30\ub85d\uc744 \ub0a8\uae30\uc138\uc694<\/h2>\n<p>\uacc4\uc57d\uc11c, \uc8fc\ubb38\u00b7\uacb0\uc81c \ub0b4\uc5ed, \uc57d\uc18d\ud55c \uacf5\uae09\uc77c, \ud310\ub9e4\uc790\uc640 \uc8fc\uace0\ubc1b\uc740 \uae30\ub85d\uc744 \uc815\ub9ac\ud569\ub2c8\ub2e4. \uc18c\ube44\uc790\uac00 \uc5b4\ub5a4 \uc694\uad6c\ub97c \uc5b8\uc81c \ubcf4\ub0c8\ub294\uc9c0 \ud655\uc778\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\uace0 \uac00\ub9f9\uc810\uacfc \uce74\ub4dc\uc0ac\uc5d0 \uc815\ud574\uc9c4 \ubc29\uc2dd\uc73c\ub85c \uc694\uccad\ud558\uc138\uc694. \ub2e8\uc21c \uc804\ud654 \ubb38\uc758\ub9cc\uc73c\ub85c \uc815\uc2dd \ucca0\ud68c\u00b7\ud56d\ubcc0 \uc811\uc218\uae4c\uc9c0 \uc644\ub8cc\ub410\ub2e4\uace0 \uac00\uc815\ud558\uc9c0 \ub9d0\uace0 \uc811\uc218\ubc88\ud638\uc640 \uc81c\ucd9c \uc11c\ub958, \ucc98\ub9ac \uacb0\uacfc\ub97c \ud655\uc778\ud569\ub2c8\ub2e4.<\/p>\n<h2>\uac00\uc0c1\uc758 \uc11c\ube44\uc2a4 \ubbf8\uc81c\uacf5 \uc0ac\ub840<\/h2>\n<p>\uc6b4\ub3d9\uc2dc\uc124 \uc774\uc6a9\ub8cc\ub97c \ud560\ubd80\ub85c \uacb0\uc81c\ud55c \ub4a4 \uc57d\uc815\ud55c \uc11c\ube44\uc2a4\uac00 \uc81c\uacf5\ub418\uc9c0 \uc54a\ub294 \uc0c1\ud669\uc744 \uc0dd\uac01\ud574 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uba3c\uc800 \uacc4\uc57d\uc758 \uc81c\uacf5 \ubc94\uc704\uc640 \ubbf8\uc81c\uacf5 \uc0ac\uc2e4, \ub0a8\uc740 \ud560\ubd80\uae08, \uc81c\uc678 \uc0ac\uc720\ub97c \ub300\uc870\ud574\uc57c \ud569\ub2c8\ub2e4. \ud3d0\uc5c5 \uc18c\uc2dd\uc744 \ub4e4\uc5c8\ub2e4\ub294 \uc774\uc720\ub9cc\uc73c\ub85c \uc784\uc758\ub85c \ubaa8\ub4e0 \uce74\ub4dc\ub300\uae08 \ub0a9\ubd80\ub97c \uc911\ub2e8\ud558\ub294 \uac83\uc740 \uc815\uc2dd \ud56d\ubcc0\uad8c \ud589\uc0ac\uc640 \ub2e4\ub985\ub2c8\ub2e4. \ub2e4\ub978 \uc815\uc0c1 \uccad\uad6c\uae4c\uc9c0 \uc11e\uc9c0 \ub9d0\uace0 \ub300\uc0c1 \uac70\ub798\ub97c \uad6c\ubd84\ud574 \uce74\ub4dc\uc0ac\uc5d0 \ubb38\uc758\ud558\uc138\uc694.<\/p>\n<h2>\uc2e4\uc801\u00b7\uc774\uc6a9\ud55c\ub3c4\uc640\ub3c4 \uad6c\ubd84\ud558\uc138\uc694<\/h2>\n<p>\ucca0\ud68c\u00b7\ud56d\ubcc0\uc740 \uacc4\uc57d\uacfc \uc9c0\uae09 \uac70\uc808\uc758 \ubb38\uc81c\uc774\uace0, \ud560\uc778 \uc2e4\uc801\uc774\ub098 \uc0ac\uc6a9 \uac00\ub2a5 \ud55c\ub3c4\ub294 \ubcc4\ub3c4 \uae30\uc900\uc785\ub2c8\ub2e4. \ucde8\uc18c\uac00 \uc811\uc218\ub418\uba74 \uc2e4\uc801\u00b7\ud61c\ud0dd\uc758 \uc870\uc815\ub3c4 \ub530\ub85c \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. <a href=\"https:\/\/unionize.kr\/?p=1882\">\ud560\ubd80 \uc804\uc6d4\uc2e4\uc801<\/a>, <a href=\"https:\/\/unionize.kr\/?p=1875\">\ucde8\uc18c\uc640 \uc2e4\uc801 \ucc28\uac10\uc6d4<\/a>, <a href=\"https:\/\/unionize.kr\/?p=1940\">\uc77c\uc2dc\ud55c\ub3c4\uc640 \ud2b9\ubcc4\ud55c\ub3c4<\/a>\ub97c \ud568\uaed8 \ubcf4\uba74 \uc11c\ub85c \ub2e4\ub978 \uc22b\uc790\ub97c \uad6c\ubd84\ud558\uae30 \uc27d\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\uacf5\uc2dd \ucd9c\ucc98\uc640 \ud655\uc778\uc77c<\/h2>\n<p><a href=\"https:\/\/easylaw.go.kr\/CSP\/CnpClsMain.laf?ccfNo=2&amp;cciNo=1&amp;cnpClsNo=3&amp;csmSeq=2984&amp;popMenu=ov\">\ubc95\uc81c\ucc98 \uc0dd\ud65c\ubc95\ub839\uc815\ubcf4 \uc2e0\uc6a9\uce74\ub4dc \ud560\ubd80\uac70\ub798(\uc790\ub8cc \uae30\uc900 2026.09.15)<\/a>\uc640 <a href=\"https:\/\/www.samsungcard.com\/personal\/customer-service\/conditions\/personal\/UHPPCC0379M0.jsp\">\uc0bc\uc131\uce74\ub4dc \uac1c\uc778\ud68c\uc6d0 \uc57d\uad00 2026.05.12 \uc2dc\ud589\ubd84 \uc81c11~13\uc870<\/a>\ub97c 2026\ub144 10\uc6d4 22\uc77c \ud655\uc778\ud588\uc2b5\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc778 \ud655\uc778 \uc21c\uc11c\uc774\uba70 \uac1c\ubcc4 \ubd84\uc7c1\uc758 \uc778\uc815 \uc5ec\ubd80\ub098 \ubc18\ud658\uc561\uc744 \ud655\uc815\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \ucca0\ud68c\u00b7\ud56d\ubcc0 \uc811\uc218\ub294 \uc9c4\ud589\ud558\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud560\ubd80\ucca0\ud68c\uad8c\uc740 \uae30\uac04\uacfc \uc81c\uc678 \uc0ac\uc720\ub97c, \ud56d\ubcc0\uad8c\uc740 \uacc4\uc57d \ubd88\uc774\ud589\uacfc \ub0a8\uc740 \ud560\ubd80\uae08\uc744 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \uacf5\uc2dd \ubc95\ub839 \uc548\ub0b4\uc640 \uce74\ub4dc \uc57d\uad00\uc73c\ub85c \ucc28\uc774\ub97c \uc815\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":1955,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22],"tags":[],"class_list":["post-1954","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-22"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\ud560\ubd80\ucca0\ud68c\uad8c\u00b7\ud56d\ubcc0\uad8c \ucc28\uc774: 20\ub9cc\uc6d0\u00b7\ubd84\ud560\ub0a9\ubd80 \uc870\uac74\ub9cc \ubcf4\uba74 \uc548 \ub418\ub294 \uc774\uc720 | \uc720\ub2c8\uc628\uce74\ub4dc<\/title>\n<meta name=\"description\" content=\"\ud560\ubd80\ucca0\ud68c\uad8c\uc740 \uae30\uac04\uacfc \uc81c\uc678 \uc0ac\uc720\ub97c, \ud56d\ubcc0\uad8c\uc740 \uacc4\uc57d \ubd88\uc774\ud589\uacfc \ub0a8\uc740 \ud560\ubd80\uae08\uc744 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. 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