Secured Cash rewards card ...possible upgrade?
I've had my Navy Federal cash rewards secured credit card since early October of 2025. I started with $1,000 deposit which I know gets put on a hold instead of actually the funds being taken out. However, since the first 2 or 3 months that I've had this card, the funds from that hold have never shown in my account like my savings account.
Yesterday I opened up my app to see that my savings account says I have $1,045, but my available balance is only $45. That $1,000 is showing as an account hold.
I'm wondering if it is possible that that means they're getting ready to release that back to me and graduate me to an unsecured card? I understand how the hold works for the secured card but over the last 6 to 8 months I've never noticed that deposit money showing in my savings account.
I've been debating trying to either apply for a different card or ask for a credit limit increase even though it is a secured card as I've heard some people have gotten them without having to deposit more money. Just trying to figure out my best option.