[Windows Central Question]

I have a 64GB micro SD card in my Nokia Lumia 630 phone. Up until last night/this morning my phone has been fine. But last night/this morning I noticed all my apps were installed on my phone rather than my SD card, which is not where I wanted them.
I tried to move them all together on to my SD card which was going well until I had to restart my phone for one of the apps to finish updating/installing. When I turned my phone back on I had a error message pop up saying:

Can't use SD card.
This SD card isn't formatted or uses a file system that's not supported. To use the card in your phone, you'll need to format it in Settings > Storage Sense.

I did all that and did a factory reset of my phone. Twice. This afternoon, I attempted to retrieve my apps back and my phone had to restart again, and when the phone restarted the same message appeared.

What do I do?