well asus rma is a nightmare msi i dont know?? but from experience HIS and sapphire rma is great I heard xfx "lifetime" warranty and "overclocker/mod friendly" warranty is kind of give or take basically if they deem it rma'able then they will if not sorry bout your luck.sapphire and HIS have both rma'd for me even with modded bios hell HIS even did it when I voltmodded them even though I did take it off first it was still visable