Please help!!

My period was due Saturday, it is now Monday, I am officially two days late. I have had no symptoms whatsoever leading up to my period besides an outbreak of acne and I only seem to have cramps when I THINK about them. 
I took a pregnancy test but did not pee on it for the minimum of ten seconds, it came out negative. 
Now to the important part of my story I had unprotected sex on my highest fertile day (33%), he didn't cum in me, he pulled out and finished off with his hand.
The latest my period has ever been is one day, is there a chance I could be pregnant? What's going on with me?