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Both are discontinued models, so I can't recommend either. The "F" series are better cameras than the "Z" series, from a technical and build-quality standpoint. Look for an Ffd or an F100fd model. Both are current models, and add many features to the series of Fuji Finepix models.
Try formatting the xd card. The f20 has enough internel memory for a few pix, if the card is not working it uses internal memory. Also look for the number of pictures remaining if this is low the card is not working.