What is a playing handicap in golf?

Definition

The adjusted handicap used for specific tournament formats, calculated by applying the appropriate percentage of a player's handicap index based on the competition format and conditions. Playing handicaps differ from handicap indexes and are calculated using course handicap adjusted for competition format. Different formats require different percentages - individual stroke play uses 95% of course handicap, while four-ball better ball might use 85%. Understanding playing handicap calculations ensures fair competition and proper application of handicap strokes during tournament play.