Description of problems around underspecified Credentials,like Username & Password

begin:vcard
fn:Matt Ball
n:Ball;Matthew
org:Oracle USA, Inc.;Key Management
adr:;;500 El Dorado Blvd, Bldg 5;Broomfield;CO;80021;U.S.A.
email;internet:
title:Principal Software Engineer
tel;work:303-272-7580
tel;fax:303-272-3023
tel;cell:303-717-2717
x-mozilla-html:TRUE
url:http://www.oracle.com
version:2.1
end:vcard