In a bowl, mix together cream cheese, cheddar cheese, green onions, red bell pepper, ham, garlic powder, salt, and pepper. Mix until everything is well mixed together.
Put a little bit of the mix on a Ritz cracker and place another cracker on top to create a sandwich.
Repeat the process with the rest of the crackers and filling.
Place the cracker sandwiches on a plate and serve right away or cover and put in the fridge until you are ready to serve.