Honestly if you have to buy your tv with a credit card, you probably shouldnt be buying it. Using someone elses money to buy things means you cant afford it. Save your cash and get a better deal on it.
Imo I wouldnt worry about the whole 1080p crap. Get something that displays in 720p and you will be fine. Most games do not support 1080p, so you are wasting your money unless you are a big movie watcher. I play games at 720p and watch movies at 1080i and they both look incredible. I will be buying a 720p projector for the basement of my new house, and keeping my samsung upstairs for regular tv. btw i bought my 46" samsung projection tv from sams blub for less than $700.
Imo for gaming you should go with a nice dlp set. Thats if you dont have some inner desire to hang a tv on your wall. I always hear people say dlp is the best for gaming. Samsung makes some damn good tv's, and some really nice dlp's. I drool everytime I walk into sams club.