Is it normal to have lower cramps or bloating 12 days before a period? I've never had it before by am concerned about pregnancy

Could be normal. When it comes to pregnancy, when in doubt, check it out. Pregnancy tests are cheap, easy, and relatively accurate. If there is even a remote chance that you could be pregnant a quick test will give you piece of mind. Bloating and cramping could be uterine, but it could also be intestinal, such as gas. .
Can occur. Those symptoms caused by fluid retention and some degree of pelvic congestion, often cause premenstrual symptoms such as yours. If you have missed a period, pregnancy is a possibility. Perform a pregnancy test to be sure. Your gynecologist can advise you best,however.