Hello, sounds like a fungal infection, but confirmed diagnosis can be made only after physical examination. Over the counter medications like the ones you mentioned do no have antifungals in enough concentration to combat the infection. You will require oral and topical medications which you should take only with a Dermatologist's prescription. Don't stay frustrated and schedule an appointment with a Dermatologist soon. Regards, Dr.Shruti Jadhav Devershi, Sólskin Professional Dermacare, Kharadi,Pune.