I have had a week of stress trying to get my music to save, stay and play from my sd card on my XA1.
I have found that a thicker sd carddoescathe job. The cheap Chinese models dontd seem to make a good contact in the phone even though the phone sees and recognises the card.
I'm using a Lexar sd card and it is fine. It is visibly thicker and a snugger fit in it he phone. Hope this helps someone else out there.