Doing this in a weird way. Face cards not calculating. Advice?

blackjack_working_part.rb

# this "works", but face cards don't calculate. 
# this is not 'elegant' 

suits = [' of Diamonds' , ' of Hearts', ' of Clubs', ' of Spades']
values = ['A', '2', '3', '4', '5', '6', '7', '8', '9', '10', 'J', 'Q', 'K' ]
deck = []
deck = values.product(suits)
deck.shuffle!

player = []
dealer = []

puts '--- BLACKJACK ---'.center(30)
puts 'DEALER CARDS:'

#-----------------dealer calc-------------------------------------
dealer_total = 0
2.times do 
  myCard = deck.pop
  dealer.push myCard
  puts myCard.join.to_s.center(30)
end

if dealer[0].at(0).to_s == 'A' 
    dealer[0].insert(0,11)
end

if dealer[0].at(0).to_s == 0 
  dealer[0].insert(0, 10)
end

if dealer[1].at(0).to_s == 0
	dealer[1].insert(0, 10)
end

dealer_total = (dealer[0].at(0).to_i) + (dealer[1].at(0).to_i)

puts 'Dealer Total:' + dealer_total.to_s
puts ' '
puts 'YOUR CARDS:' 
  

#-----------------player calc-------------------------------------
2.times do 
  myCard = deck.pop
  player.push myCard
  puts myCard.join.to_s.center(30)
end

if player[0].at(0).to_s == 'A' 

elsif player[0].at(0).to_s == 0 
	player[0].insert(0, 10)
end

if player[1].at(0).to_s == 0
	player[1].insert(0, 10)
end

player_total = (player[0].at(0).to_i) + (player[1].at(0).to_i)

puts 'Your Total:' + player_total.to_s
puts ' '
puts ' '
puts '(H)IT or (S)TAY?'
puts ' '

nthin yet

#nothing here yet