When a store offers 0% interest for 12 months on a credit purchase, generally speaking:

a) It's time to stop shopping and start buying. This is the best deal you are going to get!

b) Since you are not paying interest on the outstanding loan balance for the first 12 months, your credit score will not change during that 12-month period.

c) Interest accrues at the standard rate for the outstanding loan balance. If you pay for the purchase in the 12-month period, you will not pay any interest, but if you do not you will pay all accrued interest charges

d) Always take the deal because it is free money!