I faced the exact same problem when. I was transferring my contacts from my old phone to the new phone. The large VCF file was not readable by the phone at all. So, I decided to use GainTools Split vCard Software, which split my VCF file into smaller files that could be handled easily. My phone was able to import each contact file without any error after the splitting process. The phone retains the names, numbers, and photos as they were. If anyone is facing such an issue, this tool can be considered as a safe solution to split VCF files that can be compatible with your device.