Consider three people. All have one credit card with a 1000 limit and no balance. All want to make a purchase of exactly 350.
Person A makes the purchase and within a week pays off his balance in full, well before the due date.
Person B make the purchase and waits until the last day before the due date to pay, but pays the balance in full.
Person C makes a payment of $10, the minimum, before the statement due date.
Person A & B have a credit utilization of zero. Credit utilization is figured on the balance that one carries. Provided the statement balance is paid prior to the due date, utilization is zero. Often times people make charges after the statement closes. Provided they make the statement balance, or more, utilization will still be zero.
Person C would have a utilization of 34% on this card.
How important is this? Do a google search. Within the top 5 answers, one claims that utilization is the most important thing for a healthy credit score, another claims that it has little bearing.
You can make the purchase without having any rise in utilization provided you pay the statement balance by the due date. Notions of gaming the system will only be meet with limited success.
Utilization is not the most important, paying your bills on time is the most important. A person with a high utilization that pays their bills will have a higher score than a person that owes a small amount but frequently misses payments.
Credit scores are dynamic and the goal for the companies measuring creditworthiness is to get better at predicting if a person will pay their bills. Expect things to change.