What usually holds it
Cards are usually held by photo and video apps building thumbnails. Close the photo app and the Explorer preview pane. If the card goes back into a camera, eject it safely for sure.
How to eject it
- Close the Explorer window that opened the drive.
- Close the programs that have files on it open.
- Use LetGoFile to see whether anything is still holding it.
- Press Safely Remove again.
Get LetGoFile, look at the drive, and it tells you the name and PID of whatever is holding it.