How to unlock / reset micro SD memory card password?

Some of the advice I got from my friends to unlock / reset micro SD memory card password:
1. The best way to unlock the micro SD memory card is to reach a mobile repair shop in your town. They will probably have a Memory card unlock. It’s a small device like card reader and unlocks the memory card. They will charge you up to 1$ here in India. But you can’t get all the data back. Try using Applications like recover my file after unlocking.
2. The other solution is to format the card you need a Memory Card Flasher. Buying it is not a wise decision, as you won't be getting into the same problem again and again. So carry it (the memory card) to a Cell phone repairing shop, who has a flasher, they'll do it for you. It’ll take 10 to 15 minutes to format a card (for 1GB). They may charge anything between 50(INR) to 150(INR), depending on how dumb he thinks you are! I got it done for 80 bucks (due to my impatience) @ National Market, Bangalore, India.
3. Put micro SD in mini SD adaptor and put in N73 nokia or try on others simbian nokia where you can put micro sd. with FE explorer go to C:,system>mmcstore and transfer that file to pc. Open with notepad and read pass... u can use other program for simbian who search for all password on phone, input micro SD and scan.
My other friend explained the same thing to unlock memory card in two methods……
Method 1: Recover memory card password, using Fexplorer. We need Fexplorer for this mobile hack. After installation, Browse to c:\system folder in your mobile phone. Here you would find a file mmcstore .This file is actually used to store memory card passwords in a mobile phone . Rename this file to mmcstore.txt and open with notepad. Now you will see the memory card password as it is, exactly.
Method 2: Unlock memory card passwords of Nokia Nseries and Eseries phones. The first hack to recover the password of memory cards will not work on Nokia Nseries and Nokia Eseries devices. Here we will use the remote lock feature for re-setting the password. For this, go to your pones settings >Security >Phone and SIM> and then allow Remote lock. The password of your remote lock will be the password of your memory card .So if you want to change the memory card password, just send an SMS containing your remote lock message.