1. First contact the issuing bank, namely China Postal Savings Bank. You can call their customer service hotline or get the contact information through the bank official website.

2. Explain your refund demand and refund amount to the customer service staff. Provide your credit card account information and tell them which account you want to refund 1980 yuan to.

3. The customer service staff of the bank will provide you with the specific refund process and the required documents or materials. You may need to fill out a refund application form or provide some personal identification documents.

4. Submit the required documents or materials according to the requirements of the bank. Ensure the required information is provided accurately and completely.

5. After completing the above steps, the bank will process your refund request. The refund time may vary depending on the processing speed of the bank. You can consult the bank about the refund schedule and specific time estimate.