Hollistic Security Renewal Strategy: Enhancing Credit Card Security through Periodic Digitization In "Hollistic Security Renewal Strategy," the paper delves into the necessity and implications of periodic credit/debit card number changes to mitigate financial fraud. By advocating for a digital transformation of the banking sector, it proposes an automatic, regular alteration of card numbers, achievable via an application-based access system. It dismisses the prevailing tangible card systems, highlighting the outdated and non-digitized nature of such cards that average several years old. This revolutionary security renewal strategy, the study concludes, can dramatically reduce the scale of financial fraud, by outpacing fraudsters' information theft techniques and offering an unprecedented level of security to the users.