It is a cold day, sd card failed.
Turns out the card is not making giid contacts in the slot.
Eufy pladtic housing is misaligned. you can see the metal almost in the centre.
the forward edge practically pushing sd card away from contacts.
I disassembled . There is a notch at bottom , just pike it screw driver
then use a knife to cut more slots on the white hiusing at the forward edge
Now makes good contact, and can format the sdcard.
No wonder I keep having card problem.
Eufy needs better Quality Control. or change the housing mould to make bigger slot.