Alot lower than it used to be so I cant say how much now. I will say that a few years back I was taking advantage of credit cards I took out that helped my craving which I am paying back for it now.
You have credit card debt from buying video games? That’s the saddest thing I ever heard.
To be fair you could indeed use it to your advantage There is time limit in wich you can borrow money wich results in zero % extra costs or in other words a free loan with zero interest.
It's usually a month before extra interest will increase the total price that has been borrowed.
If money comes in thanks to salary etc you will have no extra costs in interest since you paid it back in time, for investing in certain things, loans you could abuse this system to increase your money by quite allot wich is available to you, would only recommend it if your sure you can get the money and more in that 1 months time otherwise the interest will be quite allot.
Usually the credit card company wins since it is trick to lure people in wich they cannot pay it back in time but there are people who take advantage of this and actually make more money thanks to it.