Ok, inserted a 1GB micro SD card into my wife's phone and I read somewhere you have to format the card but couldn't find with in the menu where to do that can someone please point me in the right direction. The phone does recognize that the card has been inserted just can't get to it.
Never mind. I called customer service and the 2nd guy guided me to the "my settings" where I found the option to format the SD card. All is good now.