Thanks for your query.Based on the facts that you have posted it appears that you have Phimosis
If you have difficulty in retracting your foreskin completely over glans penis
you will have problems in penetration of vagina during intercourse and will not be able to perform sex.
Considering the long term problems it is advisable to get circumcised .This is a simple surgery done under local anaesthesia..
The creams that are available in the market do not give satisfactory and permanent results.