retraction problem?

I'm 15 and I CAN retract my but its just that when I touch the retracted (the open glans) it is quite painful. I try to retract it and provoke it with water when I have shower and then it becomes less sensitive. But then after a few days it gets painful again. This isn't normal right? Should I keep doing the 'provoking' thing or should I get that steroid cream?? Any advice please?? :S