Found a solution to our memory cards not fitting correctly problem...
I took a dremel with a grinder bit and etched a notch into the actual cover that hides the memory card so that it will close flush with a memory card inserted. Honestly this should have been in the original design. Personally for as much as I payed for this phone, I should be able to expect perfection at least hardware-wise.
It is a normal problem on certain models. One solution I have seen is to push the card into place using a stylus. It worked on my HTC Touch (6900). The card will click into place.
First, I think you're gonna need a new card. Secondly, Just use your stylus to push it in until it clicks. Most people say they can't use their nails to do it like the mogul but I have no problem using my nails to do it