Chambers has been loaned to Middlesbrough and Keown thinks Holding's development could permanently spell the end for him.
“Holding looks like a good acquisition because they've only paid £2.5m for him and he looks solid," Keown told FourFourTwo.
“But I just feel that when you're a central defender in that position, it's like goalkeepers – do we play young goalkeepers, do we play young central defenders?
“As soon as it goes wrong there's suddenly a lot of pressure being put on those individuals.
“Holding handled it well in the first match, thrown in at the deep end.
“You expect Chambers to have coped better because he'd been around longer, and maybe that's why they've shipped him out. Maybe they feel he hasn't developed."