Build the pattern one constraint at a time, testing with echo

Answer

echo ~/personal/[bcAT]* echo ~/personal/[bcAT]??* echo ~/personal/[bcAT]??[^0-9a-zA-Z]*

Each line adds exactly one constraint, and the selection should shrink each time. If it does not shrink, the element you just added is not doing what you think.

Sarwar & Koretsky 3e ch4 §4.5.2