Ok well this is what I did.
I took the card out and put it in my other 3ds and the card worked perfectly fine.
I put it back in the black one and it did not work.
I got a wild hair and took the SD card back out and moved the lock switch to the center and plopped it back in the 3ds and it worked!
I'm happy that it worked but all that I said just proves that the SD reader in the system is a little messed up.
I'm just now gettig to work, so when I get situated here I will take a pick and Q-tip and see if I can clean it and jostle the Inner lever to get it working properly again.
Edit: This is how I have to set the card for it to work.
