I just received citibank cash back card yesterday and i still have some question regarding the usage of the card...

anyone know what is the meaning of the :

- if you have carry forward balance equal to 0 then u only can get 0.4% cash back??
- but if u have carry forward balance to 2001-5000 then u wil get 1.5% cash back
- or else if u have carry forward balance to >5000 then u wil get 2% cash back

Base on this calculation, what i know is citibank encourage us to payback to them slowly??