Ringtones: Personally I use only stock ringtones. Just not a big deal to me.
Texting pictures: Sounds like the problem might be on THEIR end.
SD card: Don't have an answer for you. Could be a bad card? Seems I read there were some about.
Pictures: The camera is 'just ok'. I get best pictures WITHOUT the flash on. Have to have decent lighting. I use AUTO most of the time but some say they get good pics with Steady Shot. Have you tried video? It's awesome.
For questions I didn't help much with, check out the Tips section. there's a wealth of knowledge in there. Or ask those questions in there or the Troubleshoot section.
I know enough about the phone to be dangerous
. I talk a good game though 
Texting pictures: Sounds like the problem might be on THEIR end.
SD card: Don't have an answer for you. Could be a bad card? Seems I read there were some about.
Pictures: The camera is 'just ok'. I get best pictures WITHOUT the flash on. Have to have decent lighting. I use AUTO most of the time but some say they get good pics with Steady Shot. Have you tried video? It's awesome.
For questions I didn't help much with, check out the Tips section. there's a wealth of knowledge in there. Or ask those questions in there or the Troubleshoot section.
I know enough about the phone to be dangerous

