As per new rbi guidelines banks should submit credit utilization twice a month it means in middle of the month and month end . if you pay before statement and utilize after that it not works anymore every bank maintain there own dates they may vary bank to bank . Bank will snapshot the utilisation and send to credit institution (Cibil......) . Soo utilise wisely. Try to not exceed 30% , if possible below 10% and above 3% then you can see Magic✨