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chrischall

Credit Karma MCP

by chrischall

ck_sync_transactions

Sync Credit Karma transactions to a local SQLite database with incremental updates and automatic login handling.

Instructions

Sync Credit Karma transactions into the local SQLite database. Incremental by default (fetches since last sync + 30-day overlap for updates). If no valid token, initiates the login/MFA flow automatically.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
force_fullNoIf true, re-fetch all transactions from the beginning
Behavior4/5

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

Discloses key behavioral traits: incremental with 30-day overlap, auto-login/MFA. However, lacks details on data merging behavior and error handling beyond basic description.

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?

Two concise sentences that front-load the tool's purpose, efficient with no wasted words.

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?

No output schema, and description does not explain return values or error conditions. Lacks mention of potential time consumption or success/failure indicators.

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

Parameters4/5

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

With 100% schema coverage, the description adds context about default incremental behavior, clarifying the force_full parameter's purpose beyond the schema description.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

Clearly states the verb 'Sync' and resource 'Credit Karma transactions into local SQLite database', differentiating from sibling read-only tools like ck_list_transactions.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Describes default incremental behavior and auto-login, but does not explicitly state when to use this tool vs alternatives, nor provide when-not-to-use guidance.

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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