01 -
Preheat the oven to 375°F (190°C). Set out an 8-inch oven-safe skillet, 9-inch pie dish, or small baking dish.
02 -
Spread the softened cream cheese across the bottom of the dish in an even layer. Work it all the way to the edges.
03 -
Spoon the chili over the cream cheese and smooth it gently. If the chili is watery, leave 1-2 tablespoons of loose liquid behind.
04 -
Sprinkle the shredded cheddar evenly over the chili, covering the surface without bare spots.
05 -
Bake for 18-22 minutes, until the cheese is melted and the edges are bubbling. Rest for 5 minutes, then serve hot with sturdy chips or crackers.