10days late neg test

I read the post about the stages that could cause a late period. But this is 10 days, does that fall in the time? I had spotting around the normal time of AF. Usually 28 day cycle it's solid 5-6 heavy, painful etc. This time Spotting with one hour cramping then none. Taken multiple HPT and all BFN. It's now day 10 past AF and having mild achy cramps, tired but took EPT first thing this morning and only 1 line. Even if I ovulated late (I don't temp check), shouldn't the hCG be up enough by now? I haven't had a blood test done yet or gone to Dr. Just wait until next AF time and see what happens?