You should test obviously, as if it is positive, it should show up by now. If its negative, then I guess it is just a matter of days before AF shows. You could also have had a late ovulation, which would cause a later start to AF, or could result in a negative HPT before getting a positive HPT.
It could also be an anovulatory cycle, in which you didn't ovulate. Sometimes this can result in a slightly longer cycle than normal.
If you do get a negative HPT, and your AF still doesn't start for a few days, just remember, this is normal. Women have odd cycles lengths every now and then, and this is normal.
AF could also be delayed due to stress or illness.
I bet your AF will start in a couple of days. Just try to relax so you don't delay it any longer. Creamy CM before a suspected period can be normal, or it could mean a pregnancy. Basically, your body has its own normal, so some people may not get creamy CM before a period, but for you this may be normal.
i hope to hear from someone soon.
i guess we'll just have to keep trying like always. Thank you for listening and i hope you have a great day 
