Maxing out credit cards drops your credit score even if you pay the full statement balance every month. Here is the math behind statement billing dates.
The Statement Generation Date Secret
Banks report your balance to CIBIL on the statement generation date, not on your payment due date. If you spend ₹90,000 on a ₹1,00,000 credit card, CIBIL logs a 90% utilization ratio even if you clear the bill 20 days later.
Pay down high charges three days BEFORE the statement date to report an ultra-low 5% utilization to the bureaus.