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Visiting the US soon - do I really have to tip?
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This is a very good rule of thumb.
Important to note that the credit card machines pretty much everywhere will still ask you if you want to tip now, to the point where I’ve seen jokes about lifeguards and ambulance drivers pulling out an iPad with tipping options, I think the processors are hoping psychology will make them a little bit more cash. Either way, it is not an asshole move if you don’t tip at Subway. IMO it makes it more likely at some point that an employer tries to lower their hourly wages to the hourly + tips you see elsewhere.