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.
The life span of a pet rabbit is: Rabbits kept indoors with proper care can expect to live between 9-12 years. The pleasures of being outdoors include fresh air, sunshine, and freedom to run, chew and dig.