[gravedave]

There are ways around it: using the code for the key directly north-west of the problematic character, and if that's a bad character go further, maybe wrap around, or try to follow through the problem character (a/& -> &/| -> |/f, thus f would be the code for a) etc.

As for remembering which sites have what restrictions, I can keep that stuff in my head (looking at you Microsoft), but I guess you may have more accounts than me. Then again, when a password fails, then all you'd have to do is retry with a safer version (and maybe only have two password kinds, for convenience - full-blown char support, and minimalistic lowercase-letters only, so you'd only have to retry a single time after the first failed login).

Personally, my biggest problem with this card is that it doesn't provide enough value.

[cplease]

> Then again, when a password fails, then all you'd have to do is retry with a safer version

And after three or five failed login attempts you get locked out and have to call the bank for a password reset, and throw away the damn card in frustration.

> (and maybe only have two password kinds, for convenience - full-blown char support, and minimalistic lowercase-letters only, so you'd only have to retry a single time after the first failed login).

If you're authenticating with more than HN and Reddit, you'll encounter much more than two mutually exclusive password policies.