there are some logistics with each bank when and how they report to credit bureaus. We are not aware of those. But like you my july month data was not visible on cibil until Aug last week.(Usage/payment, CL and etc) If you see HDFC has already sent it to CIBIL by July ME but it got reflected in CIBIL last week only. We are not sure how this data flows and the timelines. But each bank definitely does report either on statement date or by month end. So don't miss any payments