Check the card in an external CF card reader hooked up to your PC & see if you can see the various folders & files. If you cannot see any files or the PC just refuses to recognise it then you have a card issue otherwise take the matter up with Raymarine
e.g. looking at my Gold XL3 US south east & Bahamas
CF card, I see a Navionics\Charts folder containing three .nv2 carto files, as well as .xl3 file at the root of card.
Note although probably not an associated issue I have had problems with a particular Gold XL9 card being read following upgrade to latest firmware on my C series MFD - see this thread
in which the problem is identified as a Navionics library compatibility issue.