then, what i just told you is useless unless you are willing to s-off and root. unfortunately i don't think that there is another way to determine if you're facing a hardware or software problem. IMHO it's software related as all those that mentioned this issue here on xda seem to be on stock rom..
there might be a way to check the card via adb but im not familiar with adb that much.. maybe someone else here might have a clue..
anyway, if you do decide to go for s-off'ing which i highly recommend you can find all you need in the general section (but be sure to check your hboot version and read twice before doing)
best of luck!
Device: HTC ONE [M7]
History: Bosch COM509, Ericsson T20e, Sony Ericsson T310, Sony Ericsson T610, Nokia 6600, Nokia 6630, Nokia 7710, Nokia N72, Nokia N95, Nokia N97mini, HTC Desire S, HTC One S