Nokia 6555 phone memory card troubles! HELP!!!?

i have this nokia phone and i put a memory card in it at Christmas time...now whenever i blue tooth songs or something it always goes to the received files and from time to time it will go straight to the memory card..and i will try and move some ring tones from my tones folder and from the received folder to the memory card and it will say operation failed..any ideas of what could be wrong??
 
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