Should I transfer with only the minimum amount of required credits

Hello everyone,
I’m currently getting ready to apply to colleges i had terrible high school grades but now have a 3.7 GPA with 21 credits. I’ve seen that a good number of universities will not review high school grades after a certain amount of transferable credits E.g. 26 credits. Should i apply right at 26 or keep going a little bit longer? Will universities think any different if i transfer with the bare minimum?