All I have is a phone and a SD card. No cable, no text messaging, no email and no V Cast software.

1. What format does this phone use for ringtones?
2. I've added a folder to my SD Card and named it ringtones. I can save a ringtone to it but I still can't get it to show up under My Ringtones in my phone.
3. When I bluetooth, with my computer, I can click on my phone and see the folders. There is no folder labeled my ringtones and it will not let me add one. It won't let me rename the other folders either.

About the only thing I've been able to do is save things to my sounds or my music folder on the phone.

Is there any other way to save ringtones to this phone without having to spend bookoo bucks?