churner였던 분이 갑자기 돌아가셨을 경우 (로긴 정보 쉐어의 중요성) (v1)

미루다가 영영 못올릴거 같아서요 일단 원글 링크랑 소개부터 시작해요 나중에 보충하거나 방향을 좀 정확히 잡아가거나 할까 싶어요. 

포인트와 loyalty program 로긴 정보를 잘 저장하고 가족과 쉐어하고 하는 아이디어나 DP를 모아볼 수도 있겠구요, 프로그램마다의 tranfer DP를 모아볼 수도 있겠네요.

배경/요약: 아래 글이 레딧에 올라온지도 벌써 일년이 지났네요 전설이 된 글이에요.

저자의 어머니 84세 할머니가 70년대부터 처너였어요.

마지막까지 이 취미를 하시다가 갑자기 소천하셨는데 평소에 처너인 아들한테 항상 포인트 로긴 정보를 주기적으로 쉐어해주고 했기 때문에 쉽게 포인트들을 뺄 수 있었다는 얘기에요.

이 글 올라왔을때는 와 대단한 할머니네 하고 잼있게 읽고 말았는데요, 최근에 정말 친형처럼 따르고 존경하던 훌륭한 천사표 선배님이 갑자기 소천하시는 일을 겪었어요. (또 급울컥 ㅠㅠ) 

제가 꼬드겨서 여신 몇가지 카드로 모으신 여기저기 포인트가 있으셨는데 다행히 사모님께서 제법 찾으신것 같아요...

40 넘으면 가는 순서 없다고 하는 소리를 들었어요.

포인트도 재화 (currency)의 일종이고 하니까 유언장 작성하시는것도 하시고 배우자분께 로긴 정보같은거 잘 쉡어하시면 좋겠어요.

이 할머니가 (아래 굵은 글씨 보세요) 늘쌍 하던 말같이 카드사나 loyalty program이 사망 사실을 알기 전에 다 transfer 하시거나 뽑으실 수 있게요. 

레딧 댓글들 보시면 여러가지 팁들이 나와요.

오늘은 여기까지만... 

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https://www.reddit.com/r/churning/comments/ilchuh/tale_of_a_churner_mser_passing_away_educate/

A fellow churner & MSer, my 84 year-old Mother, passed away suddenly of heart failure at the end of July. She'd been doing both since the 1970's (became an AA million-miler using the no longer doable "purchase AAA Travelers Checks with a credit card, deposit Travelers checks in bank account, pay off credit card well before due date, earn those AA miles at 1:1 since no multipliers way back then, rinse + repeat"). And more recently was still MSing a bit monthly via Plastiq.

This is a tale of what to do (or not to do) while churning, to keep your family or executors from having one heck of a mess to clean up, because something like this can potentially happen to you.

Here we go, in no particular order:

---She has a churner son (me), which makes things a whole lot easier! I knew there would be a lot of credit cards, autopays, Plastiq action, etc. Without me there my brother would potentially be freaking out with "what the heck did my 84 year-old Mom just spend $1,865- on only 5 days before she died with some company called Plastiq!!!" (it was a property tax payment so no big deal). So educate the heck out of someone in your family or circle if one of them isn't a churner, and get them to at least somewhat understand our crazy hobby…and also where you keep things.

---She made both of us aware that she had a fair amount of credit cards, + not to worry because she managed them well (that part was more for my brother the non-churner), and where all the cards that she didn’t carry were kept. Her 18-ish credit/charge cards total card count was easily verified using AW and CK, and then by accessing each card family online via the password list she periodically sent us. And we went looking for the large card sleeve of credit cards in her office that had all of her cards + also all the grandkid's AU cards that were in it too (AU cards to get them good credit in life early...her grandkids didn't get access to the cards though).

---She periodically forwarded my brother and me a password list for all the cards, loyalty programs, 6 different bank accounts, mortgage, VPN, etc. So we had relatively recent password lists that we could use...and while a lot of them weren't just listed out (ie, pw = 12345") and were only hints, we could either figure them out or use her laptop / cell phone combo to auto sign in or do the “forgot my password” thing and reset it. So, make, keep & forward your password lists to someone you trust, or use Lastpass or equivalent instead and make sure someone knows how to get into it.

---Points / miles totals: I easily got up to date on her 2.4 million points/miles total via AW, but brother as a non-churner would've had a problem finding them, and likely would've never found most or even used them. I also canceled her one Delta flight (she had plat status so no big deal) and her 7 IHG room reservations because I knew to check each loyalty account. Again, educate someone so that they know where to look. You don’t want the points sitting there unused until they expire. Oh, and I looked for and found her free hotel night certs too...we have 8 Marriott free nights and 2 IHG free nights of hers to use up.

---She’d said semi-regularly to both of us “If I ever die don’t you dare cancel my loyalty programs or tell them I'm dead until you make sure that you’ve either transferred the points out if you can, or instead used up all of my points/miles. And don’t cancel any of my credit cards that hold AMEX MR or Chase UR or Citi $ (Double Cash) until you’ve used or figured out how to move the points”.

---She had (has) most of her credit cards and her utilities/cable & remaining mortgage on autopay, which makes things less of a hassle for us as we don’t need or want to immediately cancel them because we’d then have to figure out which bank accounts her main home and two rental condos’ electric, gas, cable, etc bills were paid through. Do that autopay thing!

NON-CHURNING RELATED

---Keep a list of absolutely everything you both own and also owe, and make sure someone knows where it is. She used Fidelity Fullview for that, but you can just as easily write it on a sheet of paper, circle it in red, and put it with your will. Mom and I had just updated her Fullview three weeks before she died, so everything was on there (primary home, 2 rental condos, 1 mortgage she owed on, 1 land contract she was getting paid on, 2 cars with VIN #’s, the 6 bank accounts at 5 different banks, and the various Fidelity investment accounts that automatically populated into Fullview, etc). Tip: Print out Fullview or equiv BEFORE you call Fidelity or equiv to tell them someone has passed away. When I told Fidelity that mom had passed away they immediately locked down her accounts and sign on so that no one could ever access it again…so, no seeing Fullview. Yes, I’d printed it out before I called them.

---Make sure key people in your life know where you keep your will & (living) trust, and keep these lists that we’re talking about above with your will/trust. And if you don’t have them, or at least a will, then get one! Less hassle for your family if you die = good. And you definitely don’t want to make your family do the probate thing if you die without a will; I’m dealing with probate with my wife’s brother's estate currently and it’s a whole lot tougher.

TLDR: Get your sh_t in order churning-wise with lists and notes, to the extent that even a non-churner can figure it out if something should happen to you by using your lists & notes. And make sure they know where all these things are…and where you keep that overflowing sock drawer of credit cards too!