None of the combination creams you mentioned is effective for treating keloids, as they are intended for skin infections rather than scar tissue. The most effective treatments for keloids are silicone gel sheets or steroid injections administered by a dermatologist, as topical creams often fail to penetrate the thick scar tissue.

Your symptoms are most likely due to dry skin, eczema, or contact dermatitis, which may be worsened by frequent use of fragranced cold creams. Reduce the use of irritant products, use a simple fragrance-free moisturiser regularly, and apply a mild steroid cream for short periods if advised by a doctor. If symptoms persist or worsen, please consult a dermatologist for a proper evaluation to rule out any underlying skin condition that may require specific treatment.

You may be suffering from irritant contact dermatitis or heat rash caused by changes in climate and friction from thermal clothing. Try using a fragrance-free moisturiser several times daily, and avoid hot showers and wearing wool or tight clothing. If redness or itching persists or worsens, please see a doctor, as you may need a mild steroid cream to soothe the inflammation.

For rashes on your wrist and thigh joints, a mild over-the-counter steroid cream, such as hydrocortisone, may help reduce inflammation and itching. Regular use of a gentle moisturiser will protect your skin barrier. Avoid irritants, scratching the affected areas, and using harsh soaps. If the rash does not improve within 1-2 weeks or worsens, please see a doctor for further evaluation and treatment.

Fungotek cream (Terbinafine) is appropriate for treating fungal skin infections. Tenovate cream (Clobetasol) is a potent steroid that may temporarily reduce inflammation, but long-term use without medical supervision can thin the skin and worsen fungal infections. Your mother should consult her doctor or dermatologist to confirm the diagnosis and receive appropriate treatment.

Various factors, including allergies, insect bites, heat rash, eczema, or fungal infections, may cause red marks on the skin. They may also appear due to soap irritation, weather changes, or friction. Please consult your doctor or a dermatologist for an accurate diagnosis, as the appropriate treatment depends on the underlying cause.