There's certainly no harm in using creams and the like at any age. I don't think there's any evidence that over the counter creams have long lasting effects on the skin, but many help the skin look better for a few hours, by hydrating and the like. Also, different creams can have different effects, so there's now a number of creams targeting specific problems (brightening, smoothing, under eye bags, dark circles, etc). Nivea is a good brand.
Of course, one thing that does matter is sun, UV rays damage the skin, so using sun protection does have long run effects on the skin.