Kelly Louise Beddoni, 39, of Lavington, was found outside the victim's house soon after the burglary.

But her lies convinced the woman she was not a suspect. With that she took off, managing a car lift back to Albury.

On the way, she used one of the credit cards - belonging to the husband of the woman who spoke to her - to buy roll-your-own tobacco and $50 of mobile phone credit from the Coles Express at Gundagai.

Later on, Beddoni was using a stolen credit card to buy clothing to the value of $151 from Kmart's Albury store.

This week Beddoni faced Albury Local Court, where magistrate Rodney Brender committed her for sentence in the District Court in May.

Beddoni has pleaded guilty to aggravated break and enter and commit a serious indictable offence with people present, plus two counts of dishonestly obtaining a financial advantage by deception.

Court news:

The Crown case outlined how Beddoni was "ejected" from a Melbourne-bound NSW CountryLink train on April 4, 2018, about 1.50am.

A few hours later, about 5.30am, a Cootamundra resident "heard the sounds of an unusual disturbance," then found her garage door opened and maps missing from the car.

Beddoni had entered the garage through a bi-folding glass door.

The couple found keys to the man's car left on a chair in the garage and discovered their two laptop computers were missing, though these were later recovered.

The man went outside and found two bags belonging to his wife at the the back gate.

When his wife went outside she saw Beddoni crouching near the gate.

"What are you doing?" she asked, to which Beddoni replied: "I just saw this bag sitting here" and that she was "on my way to the ... station to catch a train."

The man's wallet containing credit cards and $145 in cash was missing.

The frauds were committed at Gundagai at 6.30am and Kmart at 9.30am.