Preheat your oven to 350°F (175°C).
In a large bowl, stir together the soup, sour cream, mayo, garlic powder, onion powder, and black pepper.
Fold in the shredded chicken and cheddar cheese. Try not to eat it all yet.
Spread the mixture into a greased 9x9-inch baking dish.
Top with crushed crackers and fried onions. Again, try not to eat it all yet.
Bake uncovered for 30–35 minutes, or until bubbling and golden brown.
Let it cool for a few minutes (if you can wait), then serve warm.