At which stage will we have stretch marks? Does the stretch mark cream helps?

Usually late second or third, however, you may or may not have stretch marks as it’s mostly due to genetics. If your mum has them, you will probably have them too. It definitely helps rather than not applying anything at all. My mum had stretch marks and I have been diligently applying since week 5, I thought I could escape stretch marks but it appeared at week 38 🥲.

I start applying mama's choice stretch mark cream from 2nd trimester. I was told not to scratch my belly whenever my skin itch as it contribute marks. This cream helps alot as it reduced itchiness and I barely have any stretch marks even at 38 weeks.

I didn't have any stretch marks for all 3 pregnancies. Maybe you can go to guardian/watsons/mothercare to see the different brands they have. You can check online too and see the reviews.

Yes stretch mark creams or bio oil works . Can start from 2nd tri onwards