If the phone was reset, hard or factory reset, then it will not be able to access the data on that SD card anymore. When it is set up to run apps it is encoded so that only that device can read it. When you reset the device (not restart but reset) then it won't ever be able to read the encoded data again. It is about like trying to use the card in another device.
Now if you didn't reset the device, what was it that occurred prior to it stopping accepting the card?