Dice ripe tomatoes into small pieces and finely chop garlic and basil. Combine in a mixing bowl with olive oil and balsamic vinegar. Season with salt and pepper to taste. Let marinate for 10-15 minutes.

In a separate bowl, combine cream cheese and feta cheese. Blend until smooth and creamy.

Spread the creamy cheese mixture evenly on a serving platter. Spoon the marinated tomato mixture over the cheese layer.

Garnish with extra chopped basil leaves. Serve with crackers, pita chips, or baguette slices.