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소액결제 현금화'란 이렇게 부여된 통신사의 정상적인 결제 한도를 본래의 실사용 목적이 아닌, 오직 '현금을 융통(대출)하기 위한 목적'으로 편법적으로 악용하는 행위를 소액결제 현금화