I have some kind of bug bitenon my underwear line area. It hurts and is very red and fels hard in the center. It does not look like a tic it has been hurting for a few days and isnt getting better. My husband thinks it's a chigger and I should smother it with nail polish. Any thoughts? I googled it and it looks like the pictures of chigger bites and they said it was myth that the chigger burrows in your skin. It is even more painful at the end of the day but it could be where it is located...gets rubbed all day by my underwear. I tried calendula creme and caladryl as well as taking Apis. I need something that works better for the pain.