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30% CL usage Rule: Is it for individual card or overall cards' credit limit?

Sree CC

TF Select
I usually keep my card usage under 30% but Last month I was a bit negligent & exceeded the limit of my two cards. When I checked the CIBIL I have noticed a slight fall from 791 to 783.
There are no enquiries and I have used only 15% my overall cards' limit.
 

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Last month my credit utilization was 60% plus and CIBIL dropped from 785 to 760.

From 1-2% to 60%, cleared all dues and this month utilization is 50% but CIBIL is stable at 775.

So, it's overall credit limit not individual card.
 
Last edited:
I usually keep my card usage under 30% but Last month I was a bit negligent & exceeded the limit of my two cards. When I checked the CIBIL I have noticed a slight fall from 791 to 783.
There are no enquiries and I have used only 15% my overall cards' limit.
Total spends on cards reflected in cibil divided by total overall limit on all cards that’s the % of utility
 
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