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Debenhams Card Credit Charge

Apologies if this has already been posted, I did do a search but could not find reference to this warning.

Debenhams Card has moved to Santander Cards in October 2009, having previously being provided by GE Capital Bank Ltd.

One of the new conditions being imposed by Santander, is that a £10 charge will be applied to any account that is in credit for more than three consecutive months.

I would like to know how one can drawdown any credit on the card (e.g. applied when an item is returned, having previously paid the balance on the card) - without buying anything - in order to avoid this charge !?!

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