Why are all photos going into built-in memory?

You may have a bad card. Try formating it in the camera. It's likely one of the two.

Larry
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Olympus E-510 DSLR with 14-42 mm & 40-150 mm Lens

Lumix FZ 150, FZ 35, FZ 50, FZ 20, FZ 3, TZ10 (ZS7) TZ5, TZ3, TZ1, FX 07, TCON 17, MCON 35, RDS, Sunpak 383, Bower SED 9260.

Fuji F-20.