A useful title usually contains the action or component, the observed failure and a condition that distinguishes the issue.
“Payment problem”
This could describe a declined card, a missing confirmation, a duplicate charge or a page that never loads.
“Card payment remains in Processing after 3-D Secure approval on iOS 18”
The second title can be scanned in a backlog. It also helps someone recognise a possible duplicate.
Do not put your proposed fix in the title unless the ticket is a task rather than a bug:
“Replace the payment callback”
That assumes the callback is the cause. The evidence may point elsewhere.
Mozilla’s bug-writing guidance recommends a clear, unique summary, precise steps to reproduce, and separate expected and actual results. It also advises separating observations from speculation.
Source: Mozilla Bug Writing Guidelines