How to bring each word letter in array c#

I have a problem in my code and I have no idea how to fix it. I need to copy every letter of the user entered word to array, but there is an error "Index was outside the bounds of the array". I know that thir error means that I don't have correct size of the array, but I am using ReadLine and I can't enter static size. It can be changed due user entered text.


static void Main(string[] args)

            int c = 0;
            string text = Console.ReadLine();

            string[] str = new string[] { };

            foreach (char letter in text)

                str[c] = Convert.ToString(letter);

Error screenshot:

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