Fuze & micro card: won't work together

I have an old Fuze that works fine, and I got a 32GB micro card for it.  I can put audio files on the micro card, and they show up on the micro card, but they won’t play.  I did not get error messages about needing to format the card, but I tried to  (windows 10) and I couldn’t get the “Format” button to respond.  

There is a 2nd description of my problem, with every relevant detail included, in the attached files.  I tried to send a text file but the pink “correct the highlighted errors” says I have to use only image files.  (I am a retired old lady who no longer has contact with my engineering students who would help me with this kind of stuff.)