User blog comment:InsaneAsylum/Ayakshi 210: Limit Breaking & Da Liu Ren/@comment-24731395-20141231120239/@comment-25202477-20141231134459

They have changed it to the former, so level 70 + level 1 should give you level 75.

(Do you really need to fully level a card so it won't have underlevel skills? I fused my peace cards into one and it ended up level 19 skill level, though I couldn't get the last one to fully mlb her.)