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.
Your Pet Rabbits Lifespan. Its lifespan will be determined by the care and attention you give it while it is under your care. For instance, a well cared for bunny that has been kept indoors and one that has neutered or spayed can live for many years ranging from 8-12 years.