No Period, BBT low, BFN

My cycle is usually 28. I should've gotten my period on Dec 27th but am now several days past. I took a pregnancy test on the 29th but it was a BFN. This is the first month my husband and I are TTC so I have just started charting my BBT. It's been 96.3 to 96.7 for over 5 days now. I am so confused on where I am at in my cycle as my BBT wouldn't suggest I ovulated late. I have never missed a period before and am rarely ever this late. Thoughts? Has this happened to you?