The Ghost of Christmas Yet to Come - The third and final spirit to visit Scrooge, a silent phantom clad in a hooded black robe. He presents Scrooge with an ominous view of his lonely death.
Fred - Scrooge's nephew, a genial man who loves Christmas. He invites Scrooge to his Christmas party each and every year, only to be refused by his grumpy uncle.
Fezziwig - The jovial merchant with whom the young Scrooge apprenticed. Fezziwig was renowned for his wonderful Christmas parties.
Belle - A beautiful woman who Scrooge loved deeply when he was a young man. Belle broke off their engagement after Scrooge became consumed with greed and the lust for wealth. She later married another man.
Peter Cratchit - Bob's oldest son, who inherits his father's stiff-collared shirt for Christmas.
Martha Cratchit - Bob's oldest daughter, who works in a milliner's shop. (A milliner is a person who designs, produces, and sells hats.)
Fan - Scrooge's sister; Fred's mother. In Scrooge's vision of Christmases past, he remembers Fan picking him up from school and walking him home.
The Portly Gentlemen - Two gentlemen who visit Scrooge at the beginning of the tale seeking charitable contributions. Scrooge promptly throws them out of his office. Upon meeting one of them on the street after his visitations, he promises to make lavish donations to help the poor.
Mrs. Cratchit - Bob's wife, a kind and loving woman.