If you can't surrender, you SPLIT. Until the count is +8 or more, then you STAND.
Unless you are Frank Stanton, then you never surrender because you can't play another hand with only 1/2 a red chip. You don't split either, because that would require putting up another red chip on the same hand. You always stand, and hope the dealer busts. Then you whine to anyone within earshot about your bad luck at drawing cards.