Had exact same problem with my 460 GTX. Carried on for ages as I thought it was software related (You Tube vids were the worst offenders, whereas games were more stable) Eventually it got to the stage you describe and I got my supplier (PC Specialist) to give me a new card as it was less than a year old. Not had a problem since.
I suspect that your problem lies with your graphics card, Farber, although a duff PSU is also a possibility
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