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I don't believe the police will say it is. They will say it is a civil matter because you gave her the card.
But it is grounds to sue her and you can do so in Small Claims Court and self-represent.
I suggest you send her a letter by Registered Mail and give her a deadline to reimburse you and tell her if she fails to comply you will commence legal proceedings and then will be seeking interest and you costs as well.
If that doesn't work your next step would be to sue.
You are very welcome.
If you send it today why not give her until the close of business on Friday?