I know some people who have been a member of a club for almost 3 years now and don’t have 20 cards in during that time!!
Their club has a league which runs for months, bi-weekly events, quite prestigious within the club, and yet they don’t put cards in. However, performing well earns you a “cut” for the purposes of the league only. So one friend, who is off 15, has several good scores and now gets about 11 shots in their ‘league’ events... but club matches etc he gets 15! I think that is totally wrong, they play proper rules of golf, no gimmes etc.