Depending on what you actually have, you’ll need two very separate creams, treatments, or routines. Ultimately, however, they are caused by a few factors—which contribute to them either independently or compounding. These are generally harder to treat. If you have bags caused by fat, your only option is procedural, notes board-certified dermatologist Mona Gohara, M.D.: “The only way to get rid of them is to remove the pads surgically.”