When that blue cartridge material gets all shaggy and there are some thing spots in it, then you will need to replace it. But not before.
If you are going to slit the blue floss to bang out the carbon, slit it on the bottom. That way the blue floss will not sag over time.
If, as in the case of many of the smaller Penguin filters, you only have the bio-wheel for your media, and no baskets for extra media, you wish to add more media, you can do this, using the filter cartridge.
Slit the top open and knock out all the carbon. Then take pieces of sintered glass, ceramic cylindars or sponge pieces and poke them down into the cartridge. It will hold them perfectly well, where they can populate with beneficial bacteria and become an even stronger biological filter for your tank.
Clean the filter cartridges by rubbing and pumping it in a bucket of used fish water. When you do change cartridges, bang out the media, slit the new cartridge and drop the media inside it.
Do not be afraid of cleaning the mulm off the filter cartrige blue floss, though. That mulm is waste that must be processed. By removeing as much as you easily can, you are reducing the amount of waste that needs to be processed by your biological filter and the amount of nitrate that eventually will need to be changed out of your tank.