All SD cards should have a toggle, unless it has fallen out, or its one of the "specials" usually found in Sat-Navs which were made to be read only (with maps on). You don't say which Fuji you have - some used to take xD cards, which don't have a slider, but are easily recognisable by their one curved side of the card. I'll assume you have an SD card for this reply.
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Here's a recap of what you are looking for:
On the SD card there is a small slider - which allows you to lock the card (to prevent accidental erasure).
If you put in on the table with contacts upwards, corner cut top left, then the slider is on the right hand edge, about 1/3 the way down. If it is slid to the top position (nearest the contacts) the card is unlocked. If it is slid down (away from the contacts) the card is locked.
If it is a damaged / "cheap" card, sometimes the slider falls out, in which case the card is locked. You can still read from it, but not write to it until fixed or replaced.
First check is to turn the
camera off, remove the card, move the slider to locked, then back to unlocked. Replace in the camera and turn on.
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As to your choices if it is broken (or a read only map SD card), then you might like to try the
camera with another SD card, to see if the problem persists? (A reputable photo store will often lend you a card for the 20 seconds it takes to do this test)
Repair is very fidgety (even assuming you can find the slider). Most people tend to migrate their stuff to a new card.
Hope this is helpful.
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