Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond annotations (idempotentHint, destructiveHint), the description adds meaningful state-transition details: an active card is returned unchanged, and a cancelled card is rejected. It also notes the action happens 'at the issuer', which is extra context about the operation's target.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.