PK1209,
I think I fell for the same deal in Hong Kong. I got mine on ebay from SunYou Longistics Limited using ebay bidder name Sonxin_80885. I am having the same problem. After loading half of my 7 GB of music the download stalls and gives a cyclic error. After that the phone does not recognize it or even the pre-installed memory that is on the phone. The phone says there is a problem with the SD card and to reformat. I have been through this four times now. Twice trying it with a usb cord and twice inserting the chip directly into my laptop. Same results each time. I am now trying the same thing with the 16 GB chip that came with my roommates moto droid. At the start of the download, the HK chip said 81 minutes remaining. The original Sandisk is saying 21 minutes. By the way, the chip from her phone and the one from Hong Kong do not even look the same on the back. The moto Sandisk chip has a raised area where the circuity is located and the Hong Kong chip is flat. I am guessing these are re-branded generic chips. It does show as a 16GB chip using windows explorer. Just finished the download with no problems. Except that the phone does not recognize all of the songs on the chip. Windows explorer sees them all but not the phone. I have unmounted and remounted three times and each time it shows a different number of songs. Of the 4000+ it has shown 6, 42 and now 185. When I loaded all of them onto the internal fixed chip the phone recognized them all. WTF? This is on the Droid Incredible.