Drain the beans lightly and blend until mostly smooth. Pour into a medium sized microwaveable bowl. Add in green chiles, cream cheese, sour cream and spices. Microwave on high for 2 minutes. Stir until smooth and add in half of the grated cheeses. Stir to combine. Return to microwave for an additional minute. Transfer to an oven safe dish. Top with remaining grated cheeses and broil for 2-3 minutes, until cheese is melted and bubbly. Serve with chips.