Make the filling: In a bowl, mix chicken, mozzarella, cheddar, garlic, and cream cheese or mayo. Season with salt, pepper, and any extras (paprika, chili flakes).
Warm the tortillas: Microwave or heat each tortilla briefly to make folding easier.
Assemble the wraps: Spoon filling onto tortillas. Fold the bottom, tuck in the sides, and roll tightly.
Toast the wraps: In a skillet with butter or oil, toast wraps seam-side down for 2–3 minutes per side until golden and crispy.
Let them rest: Remove from pan and let sit for 1–2 minutes so the cheese settles.
Serve: Slice in half and serve hot with your favorite dipping sauce. Enjoy!