Out of curiosity, having a miles-and-more credit ensures that miles don't expire right? But say that, for whatever reason, one forgoes the credit card. When then do the miles expire? Would it be 36 months from the date the credit card was forgone or if one had been collecting for say 10 years would the miles expire right away? Also, has it happened that one has a MM credit card and somehow MM didn't know of this and the miles expired?