I started applying Palmer's stretch marks creams religiously around 12 weeks, and I didn't even start to grow a bump until close to 24 weeks. I'm now 34 weeks, and guess what's all over my tummy! 🙃 I didn't even grow much. I tell people I'm 34 weeks and they LAUGH. They think I'm kidding. Most guess I'm no more than six months, so I didn't grow much, and I got stretch marks, anyway.
Either you're going to get them, or you're not. How much you use the cream doesn't seem to be a contributing factor, unfortunately. I was so hopeful!