Index = 1, always

...

#define DEBUGSERIALTXPIN    8
#define DEBUGSERIALRXPIN    -1
#define SDCHIPSELECT        9
#define FILENAME            "Passwords1.txt"
#define NUMBEROFPASSWORDS   100
#define PASSWORDLENGTH      8

/* GLOBALS */
unsigned long LineNumber = 0;
char          password [NUMBEROFPASSWORDS][PASSWORDLENGTH] = {};
int           nPassword = 0;

// I2C LCD
LiquidCrystal_I2C lcd(0x27, 16, 2); // Set LCD address to 0x27 and 20 chars wide by 2 rows tall


void setup()
{
  // Disable the Ethernet SPI
  pinMode(10, OUTPUT);
  digitalWrite(10, HIGH);

  // Serial ports
  Serial.begin(19200);
  Serial1.begin(19200);
  Serial2.begin(19200);
  Serial3.begin(19200);

  // Software Serial for Debug messages
  SoftwareSerial debugSerial(DEBUGSERIALRXPIN, DEBUGSERIALTXPIN); // RX, TX
  debugSerial.begin(9600);
  debugSerial.print("Software Serial TX ready on pin = ");
  debugSerial.println(DEBUGSERIALTXPIN);

  // LCD Init
  lcd.init();
  lcd.backlight();
  lcd.setCursor(1, 0);
  lcd.print("LCD Initialized");
  lcd.setCursor(1, 1);


  // Initialize SD Card
  if (!SD.begin(SDCHIPSELECT))
  {
    lcd.clear();
    lcd.print("SD Card Error!");
    debugSerial.println("initialization failed. Things to check:");
    debugSerial.println("1. is a card inserted?");
    debugSerial.println("2. is your wiring correct?");
    debugSerial.println("3. did you change the chipSelect pin to match your shield or module?");
    debugSerial.println("Note: press reset or reopen this serial monitor after fixing your issue!");
    while (true);
  }  // End of IF
}



void loop() {
    readPasswords ();
    dispPasswords ();
}



int readLine (File myFile, char *s, int size )
{
    int n = 0;

    while (myFile.available () > 0)
    {
        char c = myFile.read ();
        if (c != '\r')
            s [n++] = c;
        if (size <= n || '\n' == c)
        {
            s [n-1] = 0;
            break;
        }
    }
    return n;
}

// -------------------------------------
void dispPasswords (void)
{
    for (unsigned n = 0; n < nPassword; n++)
    {
        char s [20];
        sprintf (s, " %2d %s", n, & password [n][0]);

        lcd.clear ();
        lcd.setCursor (0,1);
        lcd.print (s);

        delay (100);
    }
}

// -------------------------------------
void readPasswords (void)
{
    File myFile = SD.open (FILENAME);

    char str [80];
    int  currentLoop = 0;

    nPassword = 0;

    while (readLine (myFile, str, sizeof (str)))
    {
        char *p = & password [nPassword++][0];
        strncpy (p, str, PASSWORDLENGTH);   // destination, source

        currentLoop++;
        if (currentLoop == NUMBEROFPASSWORDS)
        {
              currentLoop = 0;
              break;
        }
    }
}