Well played, hats off to whoever pulled this off.
The line above is what I would have said if it didn’t sound too good to be true. Seriously, if she was so cunning how would she not notice she’s using her own debit card? And why would she have a credit card without her name, or unsigned? Doesn’t she check her bank account online at all? It had me until the credit card part, unless she was an airhead I don’t think this would be as simple as switching cards.
Nice thinking though.