Yeah it definitely has to be a software issue with Planetside. If other games make the vid card heat up just as much and are stable, why not Planetside? There must be a driver issue or something else that doesn't like our config.
It's only worth it for the DPA discounts and coupons that you get. Otherwise transfer the balance to another Credit Card right away because the APR is damn high. I have good credit (700's) and my APR is like 29.99%!