Two ways that I am able to do this:
#1:
I have uploaded and downloaded pictures from my micro-SD card, while it is in the phone, using a USB cable between my phone and my computer. The cable from my wall charger comes out of the charger, and becomes a standard USB cable, and that works fine for me.
With the phone turned on, plug the cable between a USB port on the computer and the phone. Once this is connected, on the phone, go to "Menu | Settings & Tools | Tools |
USB Mass Storage". Then the phone should link up with the computer, and it should appear as its own "removable drive". The micro-SD card has directories like "my_sounds" and "my_pix", etc. Copy your pictures into the "my_pix" directory. Then, in your computer, there should be a way to tell it to disconnect from the USB device (I'm using Windows, and in the "system tray" on the start bar, there's an icon that you can click that lets you specify a USB device that you are going to disconnect.) Once you do this, the pictures should be visible on your phone. (This is just a shot in the dark, but just to be sure, if they don't come up right away, try turning the phone off and back on again.)
#2:
I am also able to remove the micro-SD card, and plug it into an SD-card slot on my computer (with a micro-to-SD card adapter), and it mounts as a removable drive that way, too. Again, copy your images to the my_pix directory, put the card back in the phone (you should have the phone OFF when removing and reinstalling the card, but it's OK to turn it on while the card is out.)
I have only used .JPG format images; I haven't tried any other image formats.
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