Well, you need a built card reader on your PC or an external one. They can be picked up for 10 bucks. You just transfer the ringtone from your computer to the card, put the card in the phone and transfer it to the phone.
I don't know anything about USB cables for this phone as I have never had a need for one.
Click on My Contents (the phone pic)/sounds/my sounds/ options/switch to card data/then pick the file you want to transfer over and hit options/ copy to handset. Follow in that order and you'll make it.
You should get a card reader for the photo files. For some reason Sharp didnt make it to where you could get the files off the card with the cable, only off the handset memory, which could take hours to transfer all the card data onto the handset to load onto your computer.