Sorry you are going through this right now . It's so hard to know for sure, but you should trust your instincts. Did AF arrive earlier than you expected? When I had my first m/c AF arrived 4 days early (I didn't know I was pg) and I had terrible cramps, I was still pg though and ended up with a suspected ectopic. My second m/c was a chemical pregnancy, I got a BFP on the day AF was due, but 2 days later AF arrived.

Sorry I'm probably not much help! Maybe you could go to your GP for a blood test to see if you have any hCG in your system?