In India, Restaurants now often include a ‘service charge’, not to be confused with ‘service tax’ (which is a government-levied tax).Here in general, hotels have a vast staff that you don’t necessarily get to meet or cross paths with. We aren't forced to pay service charge as per law if we aren't satisfied but mostly they themselves decide 5-7 % of bill amount and include in bill itself. In case we aren't satisfied we have to meet the manager and waste our time as well as prestige in front of people which no one likes to do.
Ok but you guys don't tip right?
To be honest we do whether we like or not in form of service charge.
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Would you like to elucidate how credit scores count in this?
Basically, credit score is a scheme employed by banks in certain countries that forces people to use credit cards and thus earn banks all those hundreds of billions of dollars they make every year.Banks manufacture an imaginary problem of "creditworthiness"- the banks will claim that, in order to lend you money, you first have to borrow some money from them and repay it so... that they can "trust" lending you more money in the future.Of course, that's total BS.The reason why credit score exists, is to force people to continuously use credit cards, because that's the majority of bank revenue.Magically, banks and lenders in most countries outside of the US and Commonwealth have zero such "credit" scores in place.They gauge your ability to repay debt using their own internal criteria, such as your history of employment, income stability and so on.Basically, American and some other banks in the world blackmail people into spending their money, using a manufactured problem as an excuse and imaginary benefits as a justification.