You can say you bought the card *recently* and one day when you turned your computer on it just *stopped* working.
Never ever ever ever tell them what the problem might be. Just pretend ignorance and say it stopped working. I once told BFG what I thought happened to the card and they said "Ha! Sucker thats 250$ you just lost and you aint gettin it back! Even though the card is only 2 weeks old"
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