Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of disclosing behavior, but it only states a domain rule about expired certificates blocking the card. It does not indicate whether the tool performs a read-only lookup, whether it returns statuses or expiration dates, or whether there are any side effects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.