Total Newbie SD Ultra Card questions

I’ve a microSDHC UHS-1 which I need for a SQ11 miniDV video camera (model railroad application)
When I put the card into my USB card reader (carried in an adapter which came with the card) I get a message telling me that the card needs to be formatted. Fair enough - however there is a companion message which comes with every attempt to carry out a format “Windows cannot format this card” - or words to that effect. I downloaded a HP card formatting application - but it told me the card is Read Only!
I’m running Windows 10 on a PC.
So folks, how did you format your cards? Step by step replies would be appreciated. As I say, I’m new to this. Thanks.