Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this is a non-read-only, non-destructive, non-idempotent write, so the safety profile is covered. The description adds two behavioral facts beyond the annotations: the key is 'shown once' (critical — the agent must capture it immediately) and the account must have credit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.