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I don't think it's just the restaurant chains.  It's been known for years that a tip paid by credit card is the legal property of the restaurant, not the waiter.

Even if I pay by card, I always tip in cash.  In fact, I often decline to pay the service charge, while leaving an equivalent cash tip.  I'm sure restaurant managers hate this practice, but I've never known a waiter to argue...

by Sassafras on Tue Jul 15th, 2008 at 04:20:38 PM EST
[ Parent ]
it is noticeable when you do this that the waiters don't complain too hard

Any idiot can face a crisis - it's day to day living that wears you out.
by ceebs (ceebs (at) eurotrib (dot) com) on Tue Jul 15th, 2008 at 04:33:46 PM EST
[ Parent ]

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