1. Plug it into a Windows PC.
2. Start->programs->accessories->command prompt
3. If on Vista or newer, right-click and choose to runs as Administrator. If on XP, just run it.
4. Find the drive letter. I'm using G.
5.
FAT32 will corrupt at the drop of a hat. Let chkdsk scan and fix it, and try to not rudely unmount it, whenever possible.
If you need to reformat it, use Panasonic's SDFormatter, if it supports your card, for best performance. It doesn't support any recent Samsung I've bought, FI, but, I also haven't had any issues with those cards.
like to know also.. one of my card doesn't work on a sd reader on a particular pc but works on everything else.. i figure if i low level format it, it might work
You can't, typically. You can only do high-level work on them. They appear as a modern MBR HDD. SDFormatter can do magic with some old chips it directly supports, but today, it's much more common that the most you can do is repartition and reformat it (make sure to partition it with the same offsets as it had from the factory, if you intend to go that far).