Help: The Postal Savings Bank charged me 80 points for 4 yuan. Why don't they refund the fee?

There must be a reason for the deduction. Hehe, it may be a small account management fee or an annual card fee. I suggest you consult customer service or local business outlets.

I don't think I can return it.

If you want to return the card and cancel the account decisively, it may generate interest on account cancellation, which should be enough to compensate you for 4 yuan and 80 cents.