Me too. I don't think I've ever used or even opened the wallet app since I bought my Lumia920. I have a $3 Bing Rewards promo code to buy apps/games for my phone, with instructions to open the wallet app, enter the code in the wallet before going to the Store to buy an app or game.
When I open the Wallet it just asks for my pin. I've tried a few times, gonna get locked out the next time I guess. There are no options to reset pin or have it emailed to my Microsoft account. I really don't want to reset my phone to factory settings to reset my wallet pin.