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chrischall

Credit Karma MCP

by chrischall

ck_get_account_summary

Read-only

Retrieve per-account debit, credit, and net totals for a specified date range.

Instructions

Return per-account debit, credit, and net totals.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
end_dateNoYYYY-MM-DD
start_dateNoYYYY-MM-DD
Behavior3/5

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

Annotations declare readOnlyHint=true, consistent with the read operation described. The description adds what is returned (debit/credit/net) but no additional behavioral traits like rate limits, account scope, or data freshness.

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?

Single sentence, no redundancy, efficiently conveys the core purpose. Every word is necessary.

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

Completeness3/5

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

Tool has 2 optional parameters, read-only, but no output schema. Description does not clarify if totals are for all accounts, what 'net' means, or response format. Adequate but leaves ambiguity.

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

Parameters3/5

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

Schema coverage is 100% with descriptions for both start_date and end_date (YYYY-MM-DD). The description does not add extra meaning beyond the schema, so baseline score of 3.

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?

Description clearly states it returns per-account debit, credit, and net totals. It distinguishes from siblings like 'ck_list_transactions' but not explicitly; the verb 'Return' and resource 'account summary' are specific.

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 on when to use this tool vs alternatives like 'ck_get_spending_by_category' or 'ck_list_transactions'. The description does not mention prerequisites or context.

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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