I need some guidance regarding formatting sd and sd micro cards. I have Canon point and shoot cameras. ( I think they want FAT32 ) I have an Android smartphone that I was told needs FAT32 for sure. My computers all have drives formatted in NTFS. One Dell T7500 Workstation and two Dell M4700 Workstations. When do I format for FAT32 and when for NTFS? I DID run into a problem earlier when I had 20gb available on a card and wanted to put a 6gb file on it. It would not take it. I had to fiddle with the 6gb file to make it work. Is there a set of standards I can go by? How do I decide?