[Ham-Computers] SDHC Card reading?

[KD7JYK DM09]

I'm using Windows XP, home edition, build 2600, service pack 3.

I have an IOGear multi-card reader on it, everything works fine, only used 
cards up to 32GB in the past.

I bought a SanDisk 64GB SDHC card today and plugged it in.  Clicking on the 
drive icon resulted in an error message of "The Card In Drive H: Is Not 
Formatted" with the option to format.  Formatting did not work, nothing 
happened.  I clicked on check disk through properties, and got a message 
along the lines of "Cannot Read File Type".

Is it likely the SDHC card is no good, or more likely there is 
hardware/software limitations I don't know about?

Kurt