Thanks, Cathy. I got mine 2nd hand also. It came with a 64 meg card and my husband got me several 2 gig cards. If anyone is interested, he got me the san disc 2 gig cards from Costco yesterday for $19.99 each. They were $34.99 with an instant $15. reduction in price at checkout. I think that is a pretty good price. I'm going to try the formating thing soon. Nancy