The victim then received a welcome pack from Q Card and gave it to Jacobs without realising there was a credit card inside.
Jacobs then set about phoning the Q Card contact centre and requesting the victim's details before calling again shortly afterwards pretending to be the victim.
She then added a pin number and later changed the address to her own.
Between December 9, 2011 and February 18, 2012, Jacobs used the Q Card to go on a shopping spree at various stores including Just Jeans Albany, Full Swing Golf Centre, Hannahs Albany, JB Hifi, Specsavers Albany totalling $3,598.
However, on January 21, 2012, the credit card's address was then changed back to the victim's address.
She then received a statement revealing all the purchases that had been made before calling Q Card and asking for it to be blocked.
The victim said Jacobs admitted buying the goods and reassured her she would be paid back.
One repayment was lodged before the victim noticed another purchase had been made on February 18.
The victim left Auckland about May 2012, and Jacob continued to make repayments totalling $580 until she left New Zealand in June that year.
She was tracked down through Facebook by the victim and assured the victim she would continue to make payments - but never has.
Q Card had since agreed to waive $3,598 relating to Jacobs' purchases but held the victim liable for the purchases made by Jacobs for her bedroom furniture.
The tribunal found that Jacobs' actions were a "significant departure from acceptable professional ethical, legal and moral standards expected of any member of the nursing profession".
"This was not a one off misjudgment; it involved a systemic misuse of the card throughout December 2011 and one final time in February 2012 ... The fact [nurse] has failed to repay the monies owing even after all this time is an aggravating feature when considering penalty".
When contemplating suppression, the tribunal wanted Jacobs' name not only printed but also recommended the nursing council notify the equivalent authorities in the United Kingdom and South Africa of its decision in case she was practising there.
As well as facing a nine month suspension when, if ever, she returns to New Zealand, the nurse must undertake an ethics course approved by the Nursing Council of New Zealand at her own cost; must not undertake any sole charge role with patients including as a district nurse and she must advise any New Zealand employer of the tribunal's orders.
Jacobs must also pay $7,645 in costs.