Period 3 days late,when should I take pregnancy test.

I stopped taking my BC pills in September. My period was suppose to come on Oct.3 but it didn't,I took a pregnancy test on the 4th but got a negative. Did I take the test too early,or should I wait a couple more days the take one again. For the last 2 days I've had this really bad cold,could I be pregnant? 

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