It can happen to any card. Sometimes it's user error but sometimes the card is just defective.
It's still a pretty sweet card, and no matter what if you end up with some bad luck and get a defective one, you can exchange it for a new one. It's a bit of a pain in the butt/waste of time, but at least you're covered.
Is this really true? I'm not tech pro, so if you clarify that, I'll be glad.
Well, technically any hardware can crash your system. They're probably referring to game crashes when a GPU is worked hard and the game and/or system crashes. This is most likely attributed to a driver issue, but some cards have overheating issues or they just don't perform well because of manufacturing flaws.
Some folks will tell you that Ati/AMD has the worst drivers. I can tell you I've experienced crashes with any number of drivers, and I've seen where a WHQL certified driver has caused widespread issues with ALL the cards for that driver (nVidia and Ati).
If there are too many claims of crashes, then its probably a product to stay away from. Most cards will have a certain percentage of reported game crashes, but for the most part you shouldn't have too many problems as long as you keep you drivers updated.
it can also be just an incompatability between parts. Also many people that report crashes in a game automatically blame the vid card when it could be any one of their other components. For example a video card may have some corrupt data handed to it and windows may report "display device failed" or something similar when it may not be the cause of the issue.