Preheat the oven to 375°F (190°C).
Slice each bagel in half horizontally.
In a mixing bowl, combine cream cheese, mayonnaise, sour cream, chopped chives, hot sauce, salt, and pepper. Mix well until smooth.
Fold the diced bacon and shredded cheddar cheese into the cream cheese mixture.
Spread the bacon cream cheese mixture evenly onto each bagel half.
Place the prepared bagels on a baking sheet lined with parchment paper.
Bake in the preheated oven for 12-15 minutes, or until the cheese is melted and bubbly.
Remove from oven and let cool slightly before serving.
Serve warm and enjoy your zesty breakfast treat!