Thaw chili in the microwave, stirring & breaking up ice, when melted enough. Continue microwaving, until thawed but not hot.
Spread softened cream cheese in a casserole dish or glass pie plate. Top with chili, spreading to edge. (Add browned ground beef, is using.) Top with shredded Cheddar cheese, distributing evenly over entire top. Use more cheese, if you like.
Heat in microwave, when ready to serve, until shredded Cheddar cheese is melted. Serve with tortilla chips. Store in refrigerator.