Join Date: Aug 2007
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I have had problems with my card reader (and am currently having a whole other set of problems). As you have listed in your original post the most likely cause of the problem is dirt/dust/fluff in the card reader. This can clog up the tiny micro-switch the the card activates. If you haven't done so already, take the card reader unit out, take its outer casing off and give it a hoover (or better still blow all the dust off with an airline/canister if you have one) and maybe squirt a little switch cleaner onto the microswitch.
I did this last year when my car was having the same problem as yours and up until now it has been fine. I did a post on it some time ago with a couple of blurry pics:
Problems Starting Lag II 1.9 DCi
Hope this helps, let us know how you get on.
Currently in NumberoftheGaz's garage:
Megane 1.5dci 106 Dynamique