Hello, do not apply any cream. It is better to use coconut oil for dryness. Make that area moisture free. So while going to bed at night remove your clothes for proper blood circulation and it also helps in keeping that part moisture free.
But if your condition is very worse then take homoeopathic medicine for its treatment. It do not have any side effects. There were many medicines related to your problem.
Next Steps
You can easily take an online consultation for further guidance and treatment without any side effects.