In a medium bowl, combine the softened cream cheese, shredded cheddar, chives, red bell pepper, garlic powder, salt, and black pepper. Mix until well blended.

Spread a teaspoon of the cheese mixture onto one Ritz Cracker, then top with a second cracker to form a sandwich.

Repeat until all crackers and filling are used.

Optionally, garnish with chopped chives and serve chilled or at room temperature.