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Stir together refried beans, green chiles and cream cheese in pot or skillet over medium heat until bean dip is combined, smooth and heated through.
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Add salt and pepper to taste.
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Top bean dip with cheddar cheese and either wait for it to melt or if you're using a skillet, stick the entire skillet under a preheated broiler on high until cheese is hot and bubbly.
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Serve hot with tortilla chips.