If you encountered formatting issues on your Windows XP/7 for your SD memory cards, try this !
SD Formatter formats all SD memory cards, SDHC memory cards and SDXC memory cards. It provides quick and easy access to the full capabilities of your SD, SDHC and SDXC memory cards. The SD/SDHC/SDXC memory cards have a “Protected Area” on the card for the SD standard’s security function. The SD Formatter does not format the “Protected Area”.