A survey by CreditCards.com has data to show that millennials are the worst tippers; a full 10% of people age 18 to 37 will leave no tip at all when dining in a restaurant.

It could be that the generation hasn’t worked a lot of tipped jobs. It could be that millennials are worse off financially than the generations that came before them because of the Great Recession of 2008, so they’re not as likely to add 20% to the bill.

Interestingly, however, 25% of that generation would rather just pay a higher bill for service or food than worry about tipping. Among other demographic groups, 26% of people who make over $75,000 would also just rather pay a higher bill from the get-go, as do 30% of people with college degrees.