A creamy discharge could mean a couple of different things. Are you experiencing any other symptoms, like sore breasts, frequent urination, etc.? If so, there is a possibility of pregnancy. Another possibility is that right before AF, there is a drop in progesterone and a slight increase in estrogen, which could lead to a small amount of discharge.
Did you notice other fertility signs earlier in your cycle, like fertile-quality CM? If you didn't notice any discharge in the prior weeks, this creamy discharge could be associated with a really late ovulation (it does happen), which would also delay your period. Keep us posted!
yes take hpt , if neg than take a blood test that will be more accurate to know are you pregnant or not.
i would take a test with your first morning urine, or go to your dr and have them to a blood test to see. good luck!