Mix the Base: In a mixing bowl, combine cream cheese, sour cream, and shredded cheddar until smooth.
Add the Flavor: Stir in garlic, green onions, tomatoes, chilies, and black beans.
Season: Add cumin, chili powder, salt, and pepper to taste.
Combine: Mix gently until everything is evenly distributed.
Serve: Transfer to a bowl, garnish with cilantro or jalapeños, and serve with chips, crackers, or veggie sticks.
