Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, which inform the agent this is a safe, non-mutating operation. The description 'Get credit balance' is consistent with these hints but adds no further behavioral context (e.g., how often the balance updates, whether caching applies). The description does not contradict the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.