Why does opportunity credit charge $1.75 for a pin fee?

Everytime I get charged for a pin fee

Opportunities gets charged for us to use our cards as debit but NOT CREDIT. Because of this, they let us have 20 free pin transactions per month. After the 20th pin transaction you start to get charged $1.75 per pin purchase. To avoid getting that charge, run your card as credit instead of debit. Some places like the gas pumps ask if it's a ATM or debit card. When this is asked, hit "NO" And it will run your card as credit instead of debit and you won't get that fee. Or just pay attention to the amount of pin purchases and keep it under 20x per month. I think the 20 per month also includes ATM withdrawals. I'm not sure about that part. I always run my card as credit so I don't go over the 20. Good luck hope this helped...