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.
Wild Rats. In the wild, the life expectancy for a rat is much lower: 95 percent of wild rats die before they reach their first birthday. A 1-year-old rat would be around 30 years old in human terms. The most common cause of death in wild rats comes from predators, such as owls, hawks and foxes.