Edit: @Successful_Try543@feddit.org solved it. It says “one special character”. Not “at least one”.
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Visa has a hard limit of 8 and requires the first 4 to be numbers because the phone tree might require it as a password
The whole banking industry is ridiculous and is ridiculously legislated
USAA has 8-12 ONLY. My smallest memorized password algorithm is 13 characters, that I typically use for throwaways, doesn’t even fit.