SecureLend Market

compare_personal_credit_cards

Compare personal credit card offers with rewards, cash back, and travel benefits

Input Schema

TableJSON Schema

Name	Required	Description	Default
No arguments

Schema Changelog

Changes observed during successful MCP inspections.

Changed4 schema fields changedSep 23, 2026

removedInput schema / $schema

Removed value: -"http://json-schema.org/draft-07/schema#"

addedInput schema / additionalProperties
```
Added value: +true
```

removedInput schema / properties

Removed value: -{
-  "creditScore": {
-    "description": "The applicant's estimated credit score (300-850).",
-    "maximum": 850,
-    "minimum": 300,
-    "type": "number"
-  },
-  "rewardsType": {
-    "description": "Preferred rewards type.",
-    "enum": [
-      "cash_back",
-      "travel",
-      "points"
-    ],
-    "type": "string"
-  }
-}

changedOutput schema / (root)

Previous value: -{
-  "$schema": "http://json-schema.org/draft-07/schema#",
-  "additionalProperties": false,
-  "properties": {
-    "metadata": {
-      "additionalProperties": false,
-      "properties": {
-        "queryId": {
-          "type": "string"
-        },
-        "sessionId": {
-          "type": "string"
-        },
-        "timestamp": {
-          "type": "string"
-        }
-      },
-      "required": [
-        "queryId",
-        "timestamp"
-      ],
-      "type": "object"
-    },
-    "offers": {
-      "items": {
-        "additionalProperties": false,
-        "properties": {
-          "bestFor": {
-            "type": "string"
-          },
-          "cardId": {
-            "type": "string"
-          },
-          "imageUrl": {
-            "type": "string"
-          },
-          "introOffer": {
-            "type": "string"
-          },
-          "issuer": {
-            "type": "string"
-          },
-          "name": {
-            "type": "string"
-          },
-          "rating": {
-            "maximum": 5,
-            "minimum": 0,
-            "type": "number"
-          },
-          "recommendedCreditScore": {
-            "type": "string"
-          },
-          "rewardsRate": {
-            "type": "string"
-          },
-          "terms": {
-            "additionalProperties": false,
-            "properties": {
-              "apr": {
-                "additionalProperties": false,
-                "properties": {
-                  "balanceTransfer": {
-                    "type": "number"
-                  },
-                  "penalty": {
-                    "type": "number"
-                  },
-                  "purchase": {
-                    "type": "number"
-                  }
-                },
-                "required": [
-                  "purchase",
-                  "balanceTransfer"
-                ],
-                "type": "object"
-              },
-              "fees": {
-                "additionalProperties": false,
-                "properties": {
-                  "annual": {
-                    "type": "number"
-                  }
-                },
-                "required": [
-                  "annual"
-                ],
-                "type": "object"
-              }
-            },
-            "required": [
-              "apr",
-              "fees"
-            ],
-            "type": "object"
-          }
-        },
-        "required": [
-          "cardId",
-          "name",
-          "issuer",
-          "imageUrl",
-          "rating",
-          "bestFor",
-          "rewardsRate",
-          "introOffer",
-          "recommendedCreditScore",
-          "terms"
-        ],
-        "type": "object"
-      },
-      "type": "array"
-    }
-  },
-  "required": [
-    "offers",
-    "metadata"
-  ],
-  "type": "object"
-}New value: +null

First observedMay 27, 2026

TDQS

C2.9/5.0

Behavior1/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations, the description carries the full burden of behavioral disclosure, but it only states the action 'compare' without revealing what happens on invocation—whether it returns a list, requires filters, or has any side effects. It offers no behavioral detail beyond the stated purpose.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is a single, front-loaded sentence with no filler. It states the verb and object immediately and efficiently covers the key comparison facets.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness2/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

The tool has no output schema and no annotations, and the description does not explain the return format, the structure of the comparison, or any prerequisites. It mentions benefits but leaves the agent without a clear picture of what to expect from the tool's output.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

There are zero parameters, so the schema provides nothing. The description adds semantic value by naming the comparison dimensions (rewards, cash back, travel), which helps an agent understand the tool's focus. Per the baseline for zero parameters, a 4 is appropriate.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool compares personal credit card offers and names specific comparison dimensions (rewards, cash back, travel benefits). The 'personal' qualifier distinguishes it from business credit card tools, though it doesn't explicitly differentiate from other comparison or offer-listing tools.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines2/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

No guidance is provided on when to use this tool versus siblings. The description only states what it does, without any context about when it should be selected over alternatives like compare_business_credit_cards or get_multiple_offers.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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