Step 1: Preheat oven to 350°F
Step 2: In small saucepan over moderate heat, warm chili.
Step 3: Spread cream cheese evenly on bottom of 9- x 13-inch glass casserole dish.
Step 4: Spread chili on top of cream cheese. Sprinkle with diced onions, then shredded cheese.
Step 5: Bake until cheese is completely melted, 10 to 15 minutes.
Step 6: If desired, add additional onions, lettuce, tomatoes, and sour cream.
Step 7: Serve with chips.
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