Samsung SPH-M610 Cellular Phone "error rm04" Questions

...error rm04 and how do i fix it? You get this error when you try to access the memory card? Try accessing the card using a card reader. If it is accessible, you need to get your phone checked, ...

...Error RM04: memory card access error. Please try again.'' Does this mean my memory card is defective? I had the same problem. The store where I got my phone checked another phone off the shelf and it ...