is clocking in at 165!!! Up from 24, yesterday.

Yesterday, I loaded up an 8gb SDHC card up and gave it ago. it worked fine for about an hour, then caused hard resets. I removed the card and my phone was slow over night. I put a 1gb card back in this morning, and it's still slow, but not THAT bad, except for the the high speed test. I've used FileZ to see what's up, but there's nothing on my phone, to my knowledge, that should have changed this. Any ideas?