I would call and talk to Member Services. They have someone who is a customer relations person who handles special situations. DH's new job means frequent TDY's, sometimes will infringe on the 30 day rule. I asked if there were exceptions for last minute cancels due to military orders......they didnt say yes, they didnt say no....they said there are gray areas and this customer relations person reviews your situation and decides how to handle it....
not saying they could help you in a 3 year banking situation.....but maybe.
Dont forget too, arent there some overseas options for using points?