You get better protection if you use your credit card. The key difference is that when you claim on a credit card under Section 75 of the Consumer Credit Act, the credit card company is legally liable.
A pet rat can live between 2-4 years maybe longer it just depends on how well you look after it.
0. Another funny petco care fact I've noticed while at work. They say the tarantulas can live about 10 years with proper care. Males typically live for about 2 and females for about 20, so I think they just averaged it .... I'm sure there's a few others that are escaping me at the moment, but I never trust those things. Supposedly a vet was consulted for all of them.