I will assume that this camera is using a SD card as there is no make or model shown. All new memory cards need to be formatted to the camera so the camera can read the card. Also SD cards have a lock on the side it's a little sliding switch that can be very easily pushed to the lock side while installing the memory card here is a diagram of the lock and unlock position of this card.
Formatting a card must be done in the camera the memory card is being used in your owners manual may refer to formatting as initializing
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