Try changing this line to not use the hardware.
Code:
SDC_UseHardSPI = TRUE	' Use hardware SSP port for SPI.
I think you have the PIC pins mixed up.

And I think you will have better luck if you run the PIC from a 4MHz clock. Then you can run the whole thing from 3 volts and not have to worry with the resistors.

Do you have the SD pins 8 and 9 pulled up to 3 volts? That is also needed.