After inserting memory card i get a message "card error". what should i do?

If the camera displays Memory card error, No Memory Card, or takes an abnormally long time to write an image to the memory card, when a memory card is inserted or any of the above error messages, make sure that the card is inserted properly. For SD card, make sure that the card lock switch is in the correct position and not stuck in-between.Try formating the memory card ,if after formatting the card in the camera the error persists, try another memory card. If this occurs with only the one card it is likely that the memory card is defective, if the error persists over more than one card the camera may require service.

Having gone over a month with no response, I assume it was just a matter of SD versus SDHC cards.

Problems typically are pretty rare with Panasonic Lumix digital cameras. On those occasions where you do have an issue, though, look for an error message on the Panasonic camera for some clues as to how to fix the problem.
he seven tips listed here should help you troubleshoot your Panasonic camera error messages.

1. Built-in Memory Error error message. If you see this error message with your Panasonic camera, the internal memory area of the camera is either full or corrupted. Try downloading photos from the internal memory. If the error message continues to appear, you may need to format the internal memory area.
   
2. Memory Card Locked / Memory Card error message. Both of these error messages are related to the memory card, rather than the Panasonic camera. If you have an SD memory card, check the write protect switch on the side of the card. Slide the switch up to unlock the card. If the error message persists, it's possible the memory card is corrupted and needs to be formatted. It's also possible the memory card was formatted using another device that is not compatible with Panasonic's file structure system. Format the card with your Panasonic camera to fix the problem ... but keep in mind that formatting the card will erase any photos stored on it.
   
3. No Additional Selections Can Be Made error message. If your Panasonic camera allows you to "save" photos as your "favorites," you may find this error message because the camera has a limited number of photos that can be labeled as favorites, usually 999 photos. You cannot mark another photo as a favorite until you remove the favorite label from one or more photos. This error message also may occur if you're trying to delete more than 999 photos at one time.
   
4. No Valid Picture error message. This error message typically refers to a problem with the memory card. Most of the time, you'll find this error message when you try to play back images from the memory card and the memory card is corrupted, empty, broken, or has been formatted with another camera. To fix the memory card, you must format it, but formatting a memory card causes all photos stored on it to be lost. Try inserting the memory card in another device or in your computer and try downloading any photos stored on it before formatting it with your Panasonic camera.
   
5. Please Turn Camera Off And Then On Again error message. At least this error message says "please." This error message most likely occurs when one of the parts of the camera's hardware is malfunctioning, usually a jammed lens housing. To try to fix this problem, start by turning the camera off for a few seconds before turning it back on. If this doesn't fix the problem, try resetting the camera by removing the battery and memory card from the camera for at least 10 minutes. Replace both items and then try turning the camera on again. If the lens housing is jamming as the lens moves through its zoom range, try gently cleaning the housing, removing any debris or grime. If all of these steps don't fix the problem, you'll probably need a repair center for the camera.
   
6. This Battery Cannot Be Used error message. With this error message, you've either inserted a battery that's incompatible with your Panasonic camera or you've inserted a battery that has dirty contacts. Gently clean the metal contacts with a dry cloth. In addition, make sure the battery housing is free of debris. You sometimes may see this error message if you're using a battery that's not manufactured by Panasonic. If the third-party battery is working OK to power the camera, you probably can ignore this error message.
   
7. This Picture Is Protected error message. You'll see this Panasonic camera error message when the photo you've selected has been protected from deletion. Try working through the camera's menus to figure out how to remove any protection labels for the photo files.
   

Keep in mind that different models of Lumix cameras may provide a different set of error messages than is shown here. If you are seeing Panasonic camera error messages that aren't listed here, check with the user guide for your model of Panasonic Lumix camera for a list of other error messages, or visit the Support area of the Panasonic Web site.

Welcome to FixYa...
I assume the message is not an error message and does not indicate an issue with the product. The message is designed to be an invitation to print photos from a memory card. Follow these steps to insert a memory card into the product.

1. Locate the memory card slot on the front of the product that is compatible with the memory card to be printed from. Each type of memory card slot accepts only one type of memory card, and only one memory card can be inserted at a time.
2. Insert the memory card into the appropriate memory card slot.

Some times you may be trying to print Some Data may be from Memory card , you Choose already-But actually your MMC not in/Not Properly in...Hope you find it.....Thanks for Contacting FixYa...

If there are sd card error, you cannot format your sd card. you may get messages like

"No SD memory card inserted" messages appears when using digital cameras,
"A media card hard been inserted that contains errors. Do you wish to repair the Media Card now?"
You can read the files on SD memory card, but you cannot write new files or you cannot edit files on SD memory card,
"Access denied", when SD card is corrupted or broken,

... ...

... ...

you can fix sd memory card errors first and them format you sd card.

From a command prompt run the following on the drive

chkdsk g: /f

where g: is the drive letter of the usb drive

This error message means that the memory card is write-protected. To take a picture, turn off the camera. Then insert a new card or change the storage location to internal memory

This error message means that there is no memory card in the camera. Pictures were not copied. Turn off the camera, and then insert a memory card.

This error message means that the memory card is slow, corrupted, or unreadable. Turn off the camera then insert a new memory card.

This error message means that the memory card is write-protected. To take a picture, turn off the camera. Then insert a new card or change the storage location to internal memory.