If I have $10,000 credit line, and my balance is $9,600, is it bad? (I'm paying it off before my closing date)
In terms of FICO scores, as long as you pay it off before the statement closes there is no issue at all.
Some issuers may worry about utilization that high, but IME most will consider this usage as a positive when applying for a CLI, especially if you have a habit of paying your balance in full every month.
One of my cards was used up to $28.5K out of a $30K limit this month, but I paid it to $0 before the statement closed.