When you create an array, it's indices are filled with the default value for the type you use for the array.
So, for an int[], value 0 will be filled, and for char[] value \u0000 - null character will be filled. See JLS - Initial Value of Variables, for default value for other types.
How do i append characters into this array ?
For this, you would have to maintain the current index which is empty starting with 0, and every time you insert an element at that index, increase it by one.
This process is often not feasible enough, if you have variably increasing array. You should rather consider using a List<Character> instead.
Just for a side note, if you are reading a string from the user, and trying to add each character in that string to a character array, then you don't need to do it manually. String class provides a method - String.toCharArray(), which creates a character array out of your String object.