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What's the capacity of the memory card which you are trying to format?
The largest capacity which your phone is capable of using is a 4GB micro SD. It will not work at all with larger capacity cards which are all of the newer SDHC standard and there is room for confusion as both 4GB micro SD and micro SDHC cards are widely available.
Incompatibility with SDHC is a hardware issue: there is no way to upgrade phones which are incompatible with the later specification.
I hope that you have found my answer to be of assistance and ask in return only that you take a moment to rate my answer. If my advice has not helped then please add a further comment with details of the exact make and model of SD card and I'll do my best to provide further assistance.
I HAD THE SAME PROBLEM AND KEPT ON MESSING WITH THE 4G MEMORY CARD AND FOUND OUT THAT I HAD TO FORMAT THE MEMORY CARD ON MY COMPUTER AND NOW IT READS THE CARD..ON THE SIDE OF THE SD ADAPTER HAS A SLIDING PIECE THAT SAVES YOU FROM DELETING THINGS ACCIDENTALLY BUT IF YOU SLIDE IT INTO THE MIDDLE POSITION THEN IT WILL ALLOW YOU TO FORMAT THE MEMORY CARD BUT YOU WILL LOSE WHATEVER THAT IS ON THE MEMORY CARD AND WILL HAVE TO DOWNLOAD IT ALL OVER AGAIN..I HOPE THIS IS CLEAR ENOUGH FOR EVERYBODY TO UNDERSTAND BUT THIS IS HOW I GOT MY MUSIC AND PICS ON THE MEMORY CARD