Anyone got a late BFP?

Nickey
I'm 7 days late (CD39) and still haven't gotten a BFP.  I recently stopped my BCP and had my breakthrough bleeding, then my period on CD32 (last month) and now haven't gotten AF yet. I took a hpt and got a bfn, but still no sign of AF coming. I had very mild cramps for almost a week and an increase in discharge. The cramping went away so no sign of anything. Has anyone ever gotten their bfp late? Or is this usual after getting off BCP? Should I make an appointment with my OB?
Ps- my periods were normal prior to going on BCP.