Aimee Jessica Hill put in the fraudulent credit card application, her husband got on board and together they rorted more than $13,000.
It wasn’t long though before the crime was reported to police by the ANZ Bank.
The Lavington pair now both face sentence next month after magistrate Tony Murray ordered the preparation of pre-sentence reports.
They owed up to their crimes when they appeared briefly before Albury Local Court this week.
Hill, 26, was the first to front on charges of using false documentation to obtain a financial advantage and dishonestly obtain financial advantage by deception.
John Cugley pleaded guilty to the deception count.
The court was told in police facts handed to Mr Murray how Hill made an application last year to the ANZ for a platinum credit card with a $26,000 limit.
This was where her lie began, as she used the false name of “Aimee Pitt”.
Police said that was all with the intention of using the credit card “to get a financial advantage”.
They said the application was approved and a card, issued under the name of Pitt, was sent to the couple’s Lavington home.
Hill then used the card to have identity details altered on her birth certificate, as well as changing the name on her electricity account.
On July 27 last year she took these altered documents to the ANZ’s Corowa branch, posing as “Aimee Pitt”.
Police said the branch staff were deceived by Hill because of these documents and so they activated the credit card.
It was only at this point that Hill told Cugley about her ruse, explaining that it had now given them access to $26,000.
The following day she transferred $10,000 from her new ANZ card to another ANZ account in Cugley’s name.
Police said the credit card was fraudulently used to obtain a further $3709 from the ANZ Bank.
Soon after the bank reported to police that $13,709 had been fraudulently obtained from the couple using the card.
Hill was interviewed on January 9.
She admitted to making the card application using a false identity, to deceiving the bank’s Corowa staff in order to access to the cash and then to her and Cugley accessing the $10,000.
“Hill admitted she had no intention to repay the money she had taken from the ANZ Bank,” police said.
Hill and Cugley must front Albury Local Court again on July 28 for sentence.