Preheat the oven to 375°F.
In a skillet set over medium-low heat, add the bacon and cook, stirring, until crispy and all the fat has rendered. Using a slotted spoon, transfer the bacon to a large bowl and discard the drippings.
To the bowl with the bacon, add the cream cheese, mayonnaise, sour cream, jalapeños, garlic, cheddar cheese and 1/4 teaspoon black pepper. Mix until well combined then transfer into a 9- or 10-inch cast-iron skillet or baking dish.
In a small bowl, stir together the crushed crackers, chives and melted butter. Sprinkle the cracker mixture atop the dip then bake it until it’s warm and bubbling and the crackers are golden brown, 15 to 20 minutes.
Remove the dip from the oven and serve warm with crackers, chips or crudité for dipping.