Sorry for the late reply (I’ve been offline for 2 months with a broken ankle).
This is incorrect. The 74ahc125 (and it needs to be an 74ahc125 none of the others will work) should have VCC connected to 3.3V. When CS (pin2 on the 125) is at 5V the output to the sd card from pin3 (as an example) should be 3.3V. Checking this with a multimeter is a good bet, if the output to the SD card isn’t 3.3V something is wrong and the SD card may get damaged.
Peter