You hold Ace-3 — a soft 14, meaning the ace still counts as 11. Dealer shows 3. The correct basic-strategy play:
The beauty of soft 14 (Ace-3): you cannot bust — the ace simply drops to 1 if the card is big. Against a dealer 3 (only 37% bust chance), your current total isn't good enough to stand on, and doubling doesn't pay against a card this strong. Free shot at improving: take it.
Soft hands are where most casual players leak the most: they play them like hard totals and miss every profitable double. Learning the six soft-total rows of the chart is the fastest win-rate upgrade there is.