Black Jack Game - Initiated Object Returning Null

I've been assigned to create a Black Jack game with a gui. In this game I've created a seperate Player and Dealer class, and both initiated them, however when I try to call a Player object in a certain way I get a null pointer reference. (It should be noted that the Player object is an array)

public void runGame(){
while(running){
while(dealer.getPoints() <=19){
int count=0;

[Code] .....

And this is how I've initilized the Player class in the constructor

Player[] players = new Player[numberofplayers];
for(int i=0; i<numberofplayers; i++){
players[i] = new Player(i);
players[i].setDeck(d1);
gui.add(players[i].getPanel());
}

What I don't get is if I change players[i] to dealer, it works fine.