Black Jack initialize user Splits

Collections.shuffle(deckArray);

    //Creates an iterator to go through the deck
    ListIterator<Card> iterator= deckArray.listIterator();

    //Creates arraylists for the hand of the user and dealer
    ArrayList<Card>userHandArray= new ArrayList<Card>();
    ArrayList<Card>dealerHandArray= new ArrayList<Card>();


    userHandArray.add(iterator.next());
    iterator.next();
    dealerHandArray.add(iterator.next());
    userHandArray.add(iterator.next());
    iterator.next();
    dealerHandArray.add(iterator.next());

    //Creats an object to hold the cards and points of the dealer and user
    Hand userHand = new Hand(0, null);
    Hand dealerHand = new Hand(0, null);
    Hand userHandSplit1 = new Hand(0,null);
    Hand userHandSplit2 = new Hand(0,null);

    //initaliaztes array
    //userHand.points = 0;
    userHand.handArray=userHandArray;
    dealerHand.handArray=dealerHandArray;

    userHandSplit1.handArray.add(userHand.handArray.get(0));
    userHandSplit2.handArray.add(userHand.handArray.get(1));