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I've seen people have reclaim accounts that they lost 10 years ago. There's no safe time. As for the game itself, think companies allow up to 3 months to do a chargeback, so that would make it 3+ months the game could disappear.
The summer sale starts this week, just buy it on Steam.
Buying accounts for ANY service is something you shouldnt think of
For one its against Tos
Secondly you may be burned quickly for trying to save money
Here is a Golden Rule for life:
If it seems to good to be true, it is.
Instead of trying to find out if something is safe - which you already seem to doubt - just assume it isn't. The risk is not worth it. As people told you already, if you have been found guilty of account transfer not only the offending account, but every single one of yours can be closed down. The fact that you basically advertise it on the public forums makes it even more likely to find out.
You want GTA V? Wait for the Summer Sale in a few days and hope it will get to a price you're comfortable buying it for. Or try to find a LEGIT key-seller that offers it even cheaper: https://isthereanydeal.com/#/page:game/info?plain=grandtheftautov
Although you can reclaim a steam account up to .... forever!