Melt chocolate chips in a large, microwave safe bowl for 1 1/2 minutes, stirring every 30 seconds. Let cool slightly.

Add peanut butter and cream cheese to melted chocolate. Mix with a hand mixer until thoroughly combined.

Divide into two portions. Use your hands to form into a ball and wrap in plastic wrap. Chill for about an hour (or more - this can be done a day ahead, but let come to room temperature before continuing).

Right before serving, place powdered sugar in a large bowl. Roll each ball in it two times, completely coating each time. Serve with cookies or fruit. (After awhile, you may need to add more powdered sugar. It will begin to dissolve.)