The points of Wal-Mart Credit Card of Bank of Communications can only be used to exchange special credit card funds, which can be deducted when spending in designated Wal-Mart stores. You can apply for points to exchange credit card funds by paying bills through Bank of Communications app and Bank of Communications official website. The points exchange ratio is as follows:

1, 0-2999 points: no exchange;

2.3000-6000 points: exchange rate 0.25%;

3.600 1- 10000 points: the conversion ratio is 0.5%;

4. 1000 1 above score: the conversion rate is 1%.