card? What do you mean card?
In 'man proc':
Code:
utime %lu
The number of jiffies that this process has been scheduled in user mode.
stime %lu
The number of jiffies that this process has been scheduled in kernel mode.
<etc...>
Here, a jiffy is just a way of saying 'cpu instruction'. Ie: every processor tick (and therefore every interrupt request) causes the jiffies variable to increment by 1.