A user.cfg is a user-made file placed in the base directory of the PvZ folder (not documents, the Origin Games folder). If you didn't make or add one it isn't there.
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Some more ideas.
Clean Boot
https://support.microsoft.com/en-us/kb/929135
Disable any overlay programs (FRAPs, RiviaTuner, etc etc ((things that put stuff infront of the game's screen like frame rate counters))). Overlay programs and Origin in Game do not get along at all.
Disable Origin in Game (some features need this (join friends, coin shop)... but maybe it's causing issues). Do it by right click inside Origin.
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If you want to make a user.cfg .. Most of these I doubt even work for PvZ.. The only one to really play with that works is the first one 0,1,2,3.. I forget but I think 3 is game's default? The second bolded one is a frame rate limiter. You should be able to hit 60fps stable on a 750ti.
Open Notepad.
Copy and Paste this:
RenderDevice.ForceRenderAheadLimit 1
PerfOverlay.DrawGraph 0
PerfOverlay.DrawFps 1
PostProcess.DofMethod 0
PostProcess.BlurMethod 0
PostProcess.DynamicAOEnable 0
PostProcess.DynamicAOMethod 0
Render.VSyncFlashTestEnable 0
WorldRender.TransparencyShadowmapsEnable 0
WorldRender.MotionBlurEnable 0
WorldRender.MotionForceOn 0
WorldRender.SpotLightShadowmapEnable 0
WorldRender.SpotlightShadowmapResolution 256
WorldRender.LightTileCsPathEnable 0
RenderDevice.Dx11Enable 0
RenderDevice.Dx11Dot1Enable 0
RenderDevice.Dx11Dot1RuntimeEnable 0
RenderDevice.VSyncEnable 0
RenderDevice.TripleBufferingEnable 0
GameTime.MaxVariableFps 60
Save it as "user.cfg"
You cannot have user.cfg.txt
enable "View Extentions of Known File Types" from Folder Options in Control Panel
Put it in your PvZ directory
\\Origin Games\Plants vs Zombies Garden Warfare