scared I'm pregnant

I have been on birth control for 5 years and I switched brands 3 months ago. Since then I have been super irregular spotting majority of the month so I got switched to a new one this month. Since this new pill I have had zero spotting and I'm now on my week of getting my period and haven't gotten it yet. I've been more bloated than ever before and had white discharge for the last few days but no period yet. I've been sick with a bad cold the past few days also so I don't know if that is contributing to the thought I'm pregnant. I've been having unprotected sex for awhile now and he always pulls out but could there be a chance I'm pregnant? When should I really worry and take a test?