Slice the bagel in half, then lightly toast it in a pan or oven until it's crispy on the outside and soft on the inside.
Slice the fresh chili pepper and jalapeño into thin rings. Finely chop the garlic.
Melt the butter in a pan, then add the garlic and chili. Sauté for 1-2 minutes until fragrant.
Spread cream cheese on the bottom half of the bagel, then top with the sautéed chili mixture.
Grate cheddar cheese on top, then place the bagel in a preheated oven (350°F/180°C) for 5 minutes, or until the cheese is melted.
Remove from the oven, sprinkle with a little salt and pepper, then place the top of the bagel on top. Serve immediately!
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