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문화상품권 계열은 보통 카드가 없어 온라인 결제를 자유롭게 할 수 없는 미성년자들에게 게임 아이템 결제와 대리구매용으로 많이 쓰인다. 또한 온라인 쇼핑몰에서 원하는 물건을 사거나, 음원을 구입하거나, 각종 커뮤니티 사이트의 각종 요소 이모티콘이라던가

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