Why is the skin cracking on the tips of my fingers?

Fingertip eczema: Eczema on the fingertips is sometimes called fingertip eczema. If the eczema affects more of the hand than just the fingertips, it may be called hand eczema. Eczema on the fingertips may affect all the fingers or only some of the fingers. Fingertip eczema may affect the area of fingerprints or along or below the fingernail. It may be a form of contact dermatitis which is an allergic reaction.