Where to find the handicap ranking on a golf card (look for Ladies Handicap line): The most difficult hole is #1 and so on. If you’re playing 9 holes it’s the most difficult holes in that 9. The handicap advantage goes to the player with the higher handicap index #. Using the example above Player B has an advantage on the three hardest holes on the front 9. On this card it’s hole # 4 (second hardest hole on the course), hole #8 (third hardest hole) and hole # 5 (fourth hardest hole on the course). The first or hardest hole is on the back 9 so it doesn’t count.