The one I hate is for supplemental nutritional assistance program in America. Their login system has a limit on character types, length, and it expires after a couple months, and if you fuck up entering it too many times (3) you can only reset by calling them.
Edit: I entered it right three times on a day that their server was fucked up and now I can't log into my account lol! Fuck that, I'm not calling... Well, unless for some reason that disables the card which it shouldn't...