What to do

Hi guys, my husband and I have been trying to conceive for seven months now. My period is currently five days late and I’m testing negative for pregnancy. I had a VFL on Friday, but nothing else since then. My cycles are very regular and I’m never late. Is it possible that I could be pregnant and it’s just taking awhile for my hcg to rise? Is this the sign of a chemical pregnancy? Should I be worried enough to call my doctor on Monday? Thank you.