Put the memory card in the camera.
Turn-on the camera.
Take one or two photos at random.
Put your camera in Playback mode.
That is the mode where you look at photos that are in the camera.
Look at the photos you just took.
Then press the Menu/Set button.
Then use the down arrow button and scroll down until you find Format.
Stop when FORMAT is highlighted.
Then Press Menu/Set button.
Use arrown button to highlight YES.
Press the Menu/Set button.
It should start to format.
If you do not format the card, it can bite you later (a week or a month from now) and "Memory Card Error" will appear.
Then you will not be able to recover any of the photos on the card.
A Format, erases all information on the card and writes an address block on the card.
I have just accquired a Lumix TZ3. Won't say I am unhappy, but before use, tried to format a new unused SD card:
According to the manual: FORMAT-
"Use when 'BUILT-IN MEMORY ERROR' or 'MEMORY CARD ERROR' appears". Does this mean that a new memory card need not be formated before use ? I tried to format, following instructions, only to have the error " NO VALID PICTURE TO PLAY". And at the error-section of the manual, the solution is - "get some pictures in" ! Plesae advise. Thanks.