I have never used cream and have cycled plenty of comfortable miles. Your issue could be the saddle type, it could be the nose to high, it could just be you are not stopping often enough and allowing blood back into that area. Standing on the pedals helps, as does stopping and just standing over the bike.
One question for you? Does anywhere else on your backside or nether regions hurt at all? I ask because if elsewhere hurts it is probably the saddle/saddle style. If nowhere else hurts and you are happy with the cycling shorts/tights/longs you are wearing, then it is probably the angle of the nose on the saddle and dropping it every so slightly (and it only needs to be a very minor adjustment) will probably deal with the issue. OK, second question: If you are wearing padded cycling tights/shorts/longs, are they female specific ones? I ask because the padding is totally different for a woman and you do need female specific ones here I am afraid.