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.
Hedgehogs have a relatively long life span for their size. Larger species of hedgehogs live 4 â 7 years in the wild (some have been recorded up to 16 years), and smaller species live 2 â 4 years (4 â 7 in captivity), compared to a mouse at 2 years and a large rat at 3 â 5 years.