Preheat your oven to 400°F (200°C) so it's hot and ready for baking when you assemble your pot pie.
In a large ovenproof skillet over medium-high heat, heat olive oil until shimmering. Add finely chopped onion and sauté until softened, about 5 minutes. Stir in minced garlic and cook for another 1-2 minutes before adding in the ground beef. Cook until browned—around 8–10 minutes. Season with chili powder, cumin, oregano, salt, and pepper before mixing in tomato sauce, diced tomatoes with green chiles, kidney or pinto beans, and black beans; let it simmer for 15–20 minutes while stirring occasionally.
In a large mixing bowl, combine both packages of cornbread mix along with eggs and milk; stir until just combined without overmixing. Gently fold in creamed corn along with grated cheddar cheese if using.
Pour the cornbread batter evenly over the chili base in the skillet; smooth out gently with a spatula if necessary. Place your skillet in the preheated oven and bake for approximately 20–25 minutes or until the cornbread topping is golden brown on top while bubbling around the edges.
After removing from the oven, let your Skillet Chili Cornbread Pot Pie cool slightly before serving—this allows everything to set nicely! Dig in while it's warm for a truly comforting experience!