I like what I experience in Chile and Argentina, which is typically that the bill comes when you ask, it doesn't come before you ask, and when you ask for it, you are expected to pay and leave right away. It might be hard to get someone's attention to get the bill, but if you're talking and otherwise enjoying, it would be rude to bring a bill in an attempt to rush a patron. Also, CC transactions are done in full at once, i.e., the service charge is placed in the CC machine at the table during the transaction, so there is no waiting for a returned card and a tip space.