I don’t know any cream as such. Luckily every cream that I have used has worked perfectly on my skin. No problem till now-maybe I choose the right one or my skin is adaptable to the creams. If ever I get to know about any such p0roduct then I’ll definite post in over the forum for you to know it.

No this cannot be true, i think these products that you are referring to have either been purchased in a shop or a boutique or with someone not in the beauty field! So it would be wise if you buy your beauty products in a beauty store where you can have the guarantee of not having such foollish skin trouble.
Here are two famous brands which you can use without having to fear for anything, Bobbie Brown and Arden

Make sure you are using fragrance free moisturizer for sensitive skin. This specific cream doesn’t contain irritating ingredients like lanolin, acid, mineral oil and retinoids. They hydrate the skin without causing inflammation. They also create a protective barrier to lock in moisture.

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Totally false.
If you are used to a cream then how will it affect. I mean you are not allergic to it and the cream has not reached the expiry date so, the cream is safe to be used. Never believe in such petty things they do it only to promote the use of new products that are entering the market.

You’ve gone nuts. This is okay that you have a doubt but you could have cleared your doubts by yourself with some logic. Take for example, a bleaching cream can it ever start darkening the skin with time.