Is the card under warranty? After a year of putting up with this I'd exchange it if I could.
If it's not under warranty, would you definitely buy a new one if you knew the one you have now was bad? If that's the case I would buy one from a store with a money-back return policy and try it out. If the problem goes away, keep it. If not, you get your money back and head back to the ol' drawing board.
EDIT:
Sorry if I missed it, but are you sure your PSU is up to snuff? I don't know that it would cause this exact problem, but a card which is barely getting enough power might do all sorts of weird things.