Credit card 30% Utilisation guideline, per card or overall ?
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The general guideline of "don't use more than 30% of the credit limit to improve cibil score."
Is this guideline is each individual card or the overall credit limit from all the cards ?
I found an article on bankbazaar which seems to suggest, if incase one exceeds this 30% on 1 particular card, try to adjust the utilization from other card ie. don't use other card so overall credit utilization is still under 30%.
Reason I ask is I am trying to improve my credit score since I will be getting a HL soon-ish, my sbi card limit is extremely low and I use almost 80% of it every month and my other cards with limit of 6L is hardly used.
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Below 30% per card. I've had a few points knocked off when I went above 30% on one card but kept the overall rate lower than 30%.
So spread your spending over other cards or pay back before the end of the month you made the transaction in to lower your utilization rate.(works I used to do it with my low limit card)
No it doesn't. At worst, your credit score will be the same for a while.
Pay your bill in advance before your bank's cibil reporting date. Simple !
Your utilisation will always be under 1% by doing this and CIBIL will fire up 
Both, per card and overall.