Restarting the hotplug service is a good idea. Doing this will probably run a /etc/hotplug.d/usb.rc script. This will rmmod and modprobe kernel modules that are used for usb devices. I would recommend, that before you try it, you
- Open up a terminal and run "sudo tail -f /var/log/messages", so you can watch the messages produced while the hotplug service is restarting.
- run "sudo /sbin/lsmod >modlist_before.txt"
Afterwards, run "sudo /sbin/lsmod >modlist_after.txt". If restarting hotplugging is successful, and the cause was a missing kernel module, comparing the two lists could tell you which module wasn't being loaded when you boot up.
If you don't see messages in /var/log/messages when inserting the card into the reader, I would look at which usb related kernel modules are not loaded (using lsmod) rather than the setup for hotplugging or the udev configuration.