If you or someone you know uses a cash app like Venmo, Apple Pay, Android Pay, or PayPal, there's a new scam designed by crook to separate you from your money.

Police across the US are warning consumers about scams using these apps -- usually connected to a debit card -- that let you pay or send money from your phone.

Here's how the scam works. Crooks ask to borrow your phone because they've lost theirs or the battery has died. They then attempt to make a call but don't get an answer and tell you they're sending a text message. But that's not what they're doing -- they're using one of your cash apps to send money to themselves, using your phone. Police say thieves have been known to delete the app so you won't get a notification about the transaction.

Experts recommend linking your cash apps to a credit card rather than a debit card for more protection.

I recommend NEVER letting a stranger use your phone!