If the cardholder has a credit card of China Everbright Bank with a quota of 20,000 yuan and applies for a new card with a quota of 35,000 yuan, the total amount of the cardholder will be 35,000 yuan. The old card with a quota of 20,000 yuan is full, and the new card can only be swiped 15000 yuan. In addition, when repaying, different credit cards need to repay separately.