But did you have apps installed on it? That is it seems 99% of the people who have to do a reset for it to work. I have so many apps on my 64GB card I have no room for it on my phone. so I decided I will weed out the ones I don't use a lot till I have enough room to move them back. Once back, I will put in the 128GB card, have the phone format it, then move them back.
Edit: And then load every app the store has. LoL
Nope no apps as my card went in prior to the 8.1 update.