Format the 128GB card as FAT32 using the 3rd party utility from this place to do that:
http://www.ridgecrop.demon.co.uk/index. ... format.htm
Windows will not format FAT32 larger than 32GB, but the 3rd party utility can and will.
In this way, you should be able to use micro SDXC cards 64 to 200GB as FAT32.
There are also SDcards (not "micro") up to 512GB, but the price was $399
Bargain cards like the "micro SD card" ULXA 256GB at Amazon.com for $17 are fakes. As of Dec 13, 2015, the largest MICRO SD CARD is the Sandisk 200GB. Look for SD or micro SD cards under Amazon's "Best Sellers" and you won't find the fakes listed.
p.s. - the limit for FAT32 volume size is either 2 terabytes or 8 tebibytes (about 8 terabytes) depending on which source of information you found. I doubt we'll be running into sdcards in the 2TB range anytime very soon. Maybe next year - LOL.
I just ordered a pair of 64GB MicroSD cards to format with FAT32 to use in my Sandisk Clip Sport because someone said that works if you format it FAT32 with the 3rd party utility. The Clip Sport specs say the database limit is 2000 items per internal storage and 2000 items per external storage, but that same poster said use the player in Folder mode to work around that.
Hopefully, learning that things over 32GB can be formatted with FAT32 using 3rd party utilities will help us all find more uses for the newer, larger SD and micro SD cards.
Also learning about fake cards will help some of us avoid getting burned by such scams.