I have a SanDisk 256M SD card from two years ago, which I used with my Kyocera 7135. On the Treo 650, I've noticed that switching to the Phone application, whether it's while the phone is on and I press Phone/Send, or I turn the 650 on, or whenever I make a call from my Contacts, is 2-3 seconds slower when the SD card is in the slot.

Why would this be the case? Is there a way to fix this without removing the SD card?