General Damaged SD Card

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http://androidforums.com – I bought my Charge yesterday. I restarted the phone on my way home and when it came back on it said the SD card was damaged. I tried to reformat the card and it still says damaged. I was able to format it in windows with SD formatter. I also ran a chkdsk and it seems fine. Once I eject though the phone can't mount the card and still says damaged. When I go to put it back into USB mode to copy files windows does not see the card. I have to physically remove and add the card back in then reformat again. Since I got it yesterday should I just take it back and have them give me a new on (General)