Tried to buy something @ Walmart and a separate grocery store as debit, w/ the 4-digit pin...didn't work. Apparently, the chip w/pin is meant for overseas travel?? The person at customer service said I would need to use the pin for most, if not all, purchases when traveling overseas. Idk...

But I was able to go to the ATM & withdraw some $$ for no fee (other than the $1.5 fee for using a non-penfed ATM) but that doesn't really help...no points earned for that.