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.
Fancy Rats have a longer lifespan than wild rats. On average, a Fancy Rat will live between 2-3 years with some exceptions up to 4 years. A lack of natural predators, constant food and water and the access to medial care all play a part in their increased lifespan.