Usually the process goes like this:
0: sit, bring water, give order, wait for food
1: eat
2: wait for the waiter to notice we are done. This can take a long time.
3: they want to pre clean the table, at which we say we are done, bring the check please
4: they drop off the check, if you are lucky, you can hand the card to them then,
5: If not, wait for them to come back to pick up your credit card
6: wait some unknown amount of time for them to bring your card back so you can sign and leave a tip
It's so much easier to pay up front and leave the second you are ready. Sometimes that ritual at the end takes longer than it takes me to eat my food.