Putting microsd card slows phone to a crawl??

Sprint v3m razr
When I put the 64 mb card that came with the phone:
1. when you turn the phone on the phone says card inserted. but it does not show up on any application and does not show up to be formatted in the menu.
2. it slows the phone to a crawl, the camera is slow and choppy, and the alarm freezes every now and then.
When you take the card out the phone runs fine.
It is inserted correctly.
and i dowloaded the new firmare from sprint.
Both options have done nothing.

Any suggestions or feedback?

 

Thanks for the advice, I do notice, it looks like one on the prongs are missing, like they were never there in the first place...

Time to return the phone I guess

Thanks

 

Just an update I returned the phone because and you were right there was a prong missing in the phone, I got a new one and it works now (for now)
Thanks for the help.