I'm sure most people who have this phone and have gone into the reboot loop/cycle of crashing know now that none of this helps.  It just gets steadily worse until you practically have a brick.

The problem is not the card, it is the terrible phone.  I have done hard reset/factory reset about 8-10 times, reboot about 30 times as well as clearing cache partition and it has just gotten worse.  Trying to ride it out until late April for my full discount, but it is getting hard.  Phone is about 20 months old.