Sorry something else was not working on my end
I retested card detect pin and found that common pin was not wired correctly to GND
Also a bit of solder was connecting write protect to the SD case
And then finally when I sorted that out, I found that I need to wait a bit of time for the file to actually be written to the SD card, I was testing by removing card and inserting to my laptop to quickly.
When I left it for 30+ seconds it was OK. Don’t know if that’s default behavior everywhere or just a TinyCLR thing.