BleepingComputer.com: My SD Cards are freezing my laptop

hey, I Inserted my sd card 128MB in my HP Pavillion dv9000 laptop and I was formating my SD card to fat32 and it didnt work, now when I insert my sd card into the laptop, It takes a few minutes to load, (side note: I have 3.0 Memory and have 30% used all the time) and when I want to right click or double click it, It will take forever and If I do something else or shrink the screen to the task bar, It will not respond, I already went to the HP website and tried the 5 in 1 SD card driver update and didnt help at all!!!!, Please help and Yes, Mine was pre-Installed with vista