Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description transparently discloses that the first call performs no deletion and returns a confirm_token, and that the second call, after user confirmation, uses the same card_id and confirm_token to complete the deletion. This goes beyond the annotations by explaining the side-effect-free initial step.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.