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If the chafed skin is torn or bleeding, there is a possibility that it could get infected with harmful bacteria. Gently pour warm water over the skin and apply a mild soap. Keep rinsing until all of the soap is gone. Carefully pat your skin dry with a towel. Don’t scrub or rub the chafed skin or you may worsen the damage. Your goal is not to smooth out the skin right now, it’s to cleanse it. Now that your skin is clean and free of debris, get a clean hand towel and soak it in warm water. Wring it out and place it on the irritated skin. Let it sit until it grows cold. Re-wet it again, if you are still in pain. The heat will help to increase blood flow to the area and reduce inflammation. Once your skin is dry, place a small amount of lubricant or cream onto your fingertips. Slowly work this lubricant or cream into your chafed skin, rubbing in tiny circles. Apply enough product so that the entire damaged skin is covered. This will help promote healing.  Apply the cream again at least once daily, until the chafed skin is no longer open or raw. If your chafed skin is red, swollen, or crusted, apply an antibacterial cream to prevent or treat the infection. For the next few days, it’s best to minimize any activities that might further irritate that patch of chafed skin. If you have a saddle sore, skip biking for a bit. If you have a thigh burn, try to minimize walking long distances. If a certain piece of clothing is causing the chafing, such as a particular swimsuit, skip that suit and go with another one. If the skin remains red and irritated for more than a week, you may want to contact your doctor for an appointment or advice. It is possible that you might have an infection that could be treated with oral medications or a medicated cream.

Summary:
Warm with warm water and mild soap. Apply a warm compress. Rub in a lubricant or cream. Give your skin time to heal. Talk with your doctor.