Brown ground beef in skillet on stove. Drain off any grease.
Add ground beef, refried beans, kidney beans, tomato paste, taco seasoning, water, and garlic powder to crockpot.
Cook on low 4-6 hours or high 2-3 hours.
Preheat oven to 350 degrees.
Arrange chips in the bottom of a large baking sheet.
Spoon meat mixture over tortilla chips.
Top with cheese and tomato.
Bake for 10 minutes or until cheese has melted.
Top with extra toppings, and enjoy!