na man i wouldnt put that stuff on credit, if you wait to get all your money, you will be able to purchase things a lot better than what you can put on credit right now.
Ya my vantage score for my card oced at the settings in my sig was in the 17k range, when i should be getting 20k-22k, so thats a big FPS loss. If its slowing down my gpu, probably slowing my cpu down to.