Most Passwords now must contain those characters, and you usually cannot use an older one.
All these Password Managers offered by so many companies now, are absolute rubbish.
A simple 4 digit number, a 'special' character, then some way you can remember the company's name.
FOR EXAMPLE. Bankgkok Bank could be 6789@BngkkBnk, or say Nationwide 6789@Ntnwd, get it. ? No Manager , or REMEMBERING needed.