Period 10days overdue, negative pregnancy test. having headaches and cramps & constantly bloated. what could be wrong?

Pregnancy unlikely: In a woman with regular periods, some causes of a late period include: excessive weight loss or weight gain, increased exercising, emotional stress, having an illness, traveling, medicines (like birth control pills), hormonal imbalances, etc… Seeing a doctor is a good idea if symptoms are persistent, recurring, or worrisome. Home pregnancy tests are very accurate by 3 weeks after sex.