In a medium bowl, combine the softened cream cheese, shredded cheddar cheese, chopped chives, and Worcestershire sauce.
Mix well until all ingredients are thoroughly combined and smooth.
Season with black pepper to taste.
Chill the mixture for at least 30 minutes to allow the flavors to meld.
Serve the appetizer mixture with crackers.
Notes
These appetizers can be made ahead of time and stored in the refrigerator. For a slightly different flavor, you can add a pinch of garlic powder or a dash of hot sauce.