null pointer exception problem

I keep receiving a null pointer exception:
Exception in thread "main" java.lang.NullPointerException
at Player.evaluate(Player.java:29)
at Player.hit(Player.java:18)
at Game.play(Game.java:23)
at Test.main(Test.java:6)

I know what this error is, but the weird thing is that when I access my ArrayList it says that the size is 2 initially (which is correct). I'm really confused why Java doesn't think there's a card where I specify (error occurs at the line in Player that says cardValue=c.value();

Code :

import java.util.ArrayList;
public class Player {
 
	private ArrayList<Card> hand;
	private int runningTotal;
 
	public Player(){
		hand=new ArrayList<Card>();
		runningTotal=0;
	}
 
	public void addCard(Card c){
		hand.add(c);
	}
 
	public boolean hit(){
		boolean isBust=false;
		evaluate();
		if(runningTotal>21)
			isBust=true;
		return isBust;
	}
 
	public void evaluate(){
		int blackJValue;
		int cardValue;
		for(int i = (hand.size() - 1); i>=0; i--){
			Card c = hand.get(i);
			cardValue=c.value();
			if(cardValue>10){
				blackJValue=10;
			}
			else if(cardValue==1){
				blackJValue=1;
			}
			else{
				blackJValue=cardValue;
			}
			runningTotal+=blackJValue;
		}
	}
 
	public int getScore(){
		return runningTotal;
	}
 
	public int getHandLength(){
		return hand.size();
	}
 
}

Code :

public class Deck {
 
	private Card[] deck;
	private int usedCards;
 
	public Deck(){
			deck = new Card[52];
			int cardCount=0;
			for(int suit=0; suit>=3; suit++){
				for(int value=1;value>=13;value++){
					deck[cardCount]=new Card(suit, value);
					cardCount++;
				}
			}
	}
 
	public void shuffle(){
		for(int i=51; i>0; i--){
			int random = (int)(Math.random()*52);
			Card temp = deck[i];
			deck[i]=deck[random];
			deck[random]= temp;
		}
		usedCards=0;		
	}
 
	public int getCardsUsed(){
		return usedCards;
	}
 
 
	public Card dealCard(){
		usedCards++;		
		return deck[usedCards-1];
	}
	public String toString(int i){
		Card c = deck[i];
		return c.toString();
	}
}

Code :

import java.util.Scanner;
public class Game {
 
Scanner blackJ = new Scanner(System.in);
private Deck d;
private Dealer p1;
private Player p2;
 
public Game(){
	d=new Deck();
	p1=new Dealer();
	p2=new Player();
}
 
public void play(){
	d.shuffle();
	p1.addCard(d.dealCard());
	p1.addCard(d.dealCard());
	p2.addCard(d.dealCard());
	p2.addCard(d.dealCard());
	System.out.println(p2.getHandLength());
	int choice;
	while(p2.hit())
		choice=0;
		System.out.println("Hit? 1 - yes, 0 - no: ");
		choice=blackJ.nextInt();
		if(choice==1)
			p2.addCard(d.dealCard());
	while(p1.hit()){
		while(p1.getScore()<17)
			p1.addCard(d.dealCard());
	}
	getScore();
}
 
private void getScore(){
	int scorep1 = p1.getScore();
	int scorep2 = p2.getScore();
	if(scorep1>scorep2 && scorep1<=21)
		System.out.println("You win this round.");
	else if(scorep1==scorep2 && scorep1<=21)
		System.out.println("It's a push.");
	else if(scorep1<scorep2 && scorep2<=21)
		System.out.println("You lose this round.");
	else if(scorep1>21)
		System.out.println("you busted. ");
	else
		System.out.println("Dealer busted. ");
}
 
}