3 days late TTC

Lmp June 11-14 (normal for me in 28 day cycle). Fertile June 24-28. Ovulation day June 24-25. BD'd June 18,19,21,23,24,26,& 27 (yes I have a very active sex life! Lol) Spotted (light pink occasional light brown only when wiped) June 25,26,27,28,29,30. Even tho very early tested vvvfp July 1,&2. Then tested again July 6,&7 but tested negative. AF was due July 9 and no sign of her still today. Scared to test due to an ask a nurse saying it sounded like a chemical pregnancy n I'm not sure I want to have a blood test to confirm that cause I will be so hurt. But I've been having random cramps (some like menstrual cramps some like take my breath away wth is happening in there cramps) feel a little tight about 2 inches below my belly button, increased appetite, I keep feeling like I've started cause I'm so wet down there (TMI sorry) but still no AF. Some say implantation bleeding but didn't think that was possible in your fertile window seeing as ovulation day is only day sperm can meet egg. Any advice or help or anyone going through this with me??