Android is not like Windows here. It's the new Windows so we get to know the new issues. The update should work without the memory card so it's likely some low memory in the phone. If that fails then take it up with the carrier support.
My phone has gingerbread xxlk3 build and refuses to connect to kies at all.
the other issue i have is trying to update the phone over wifi and says cannot as not enough memory in phone or memory card, i have 14gb free on memory card