Which ghost does Scrooge fear the most and why?

Of all the ghosts who visit Scrooge in A Christmas Carol, it is the Ghost of Christmas Yet to Come who he fears the most. As we see from the text, Scrooge's legs tremble when he sees the ghost so he can barely stand to follow it.

One of the reasons why Scrooge fears this ghost so much comes from its physical appearance. It looks like the Grim Reaper; it is a hooded figure which...

Of all the ghosts who visit Scrooge in A Christmas Carol, it is the Ghost of Christmas Yet to Come who he fears the most. As we see from the text, Scrooge's legs tremble when he sees the ghost so he can barely stand to follow it.

One of the reasons why Scrooge fears this ghost so much comes from its physical appearance. It looks like the Grim Reaper; it is a hooded figure which does not speak and Scrooge knows that, behind its "dusty shroud," are a pair of "ghostly eyes intently fixed on him." 

Another reason for Scrooge's fear derives from the nature of the images which the ghost shows to him. These are, arguably, the most frightening because they predict such a bleak future for Scrooge, if he does not change. In this grim future, there is nobody to mourn Scrooge's death and all of his possessions are taken by his charwoman and sold in Old Joe's shop. He also visits Bob Cratchit and his family who are consoling themselves after the sad passing of Tiny Tim. Finally, Scrooge visits his own grave and this prompts his desperate plea that the future might yet be saved:

"But if the courses be departed from, the ends will change. Say it is thus with what you show me!''

But the ghost makes no answer, and this heightens Scrooge's sense of fear and despair. Scrooge's only option to prevent these travesties is to repent of his past life and make good on all the bad deeds he has thus committed. Scrooge may have feared the Ghost of Christmas Yet to Come the most but his visions were not in vain. They, arguably, taught him the most important lessons of all.