@freighttraininguphill - i can only talk about the 1300/HD/1080 model but i think the other models are the same... in the root directory of the card is a file "FW_RTC.txt" which has the settings. windows/mac may hide the file (???) but on linux that's how to edit the settings (and set the time).

the camera may store the settings internally and write them onto a blank card, but if two cards have two different settings stored in that file, then you can swap cards to get different settings, eg day and night.

how to label micro-SD cards...?