When a guy asks a girl to cream cheese my bagel he is asking her to put a bagel with cream cheese on his dick and jerk it off while she eats the bagel.
When screwing a bitch that is somewhat chunky, squeeze the area around her belly button into a circle, to resemble the shape of a bagel, then as you cum, spread it with the tip of your dick around the bagel you have created on her torso.
I was fucking that fat bitch Sally last night. The bitch was complaining she was hungry, so I gave her a bagel with cream cheese to hold her over.
When a guy busts a nut on his tummy and then squeezes around the naval to make it look the outside part of a bagel and then has someone lick it off!
Matt jizzed on his belly and squeezed around the naval. Paula asked why he was doing that and Matt said its a Bagel with Jersey Cream Cheese. Paula was hungry so she just licked it off.