I have an old Memorex USB Universal card reader that will not read/write an SDHC card in my wife's computer but works perfectly OK in mine. It is OK with CF cards. We think something must be disabled in my wife's computer but have no idea what. We are hesitant to buy a new card reader until we can clear this up. She gets one of two error messages, depending on the program: either insert a disk or the disk needs formatting. We both run XP SP3 on desktops which were upgraded in 2010.