Formatting adjustments

Author: gorhack

_posts/2024-02-05-DoD-credit-cards.md …osts/2024-02-05-Military-credit-cards.md_posts/2024-02-05-DoD-credit-cards.md renamed to _posts/2024-02-05-Military-credit-cards.md _posts/2024-02-05-DoD-credit-cards.md renamed to _posts/2024-02-05-Military-credit-cards.md

@@ -10,36 +10,47 @@ to pay off the credit card in full by its due date, do not apply for and use cre
 phenomenal tool for building credit, receiving additional benefits, and receiving cash back on purchases you are already
 planning on making and can pay for in full but can also land you in serious debt that could take years to overcome.**
 
-### I'll start with answering a few credit card rumors:
+## I'll start with answering a few credit card rumors:
 
 1) You should **never** carry a balance on your credit cards, it is not a way to improve your credit score.
+
 2) Having many credit cards does not mean you will have poor credit (the *number of open accounts* is a small factor
    relative to others when your credit score is calculated. *Credit inquiries* are a predominately temporary impact to
    your credit score. If you are anticipating taking out a loan, especially a mortgage, you should avoid necessary
    credit inquiries for several months prior to applying). I have close to 30 active credit cards and over an 800
    credit score across each credit bureaus.
+
 3) Paying with a credit card is *always* safer than paying with cash or a debit card due to the liability and
    fraud protection available.
+
 4) Even with some places charing more for credit compared to cash or debit, you can still "out-earn" the fee with some
    credit cards. For example, if a restaurant charges 2.5% for credit card users, but your credit card earns 4%
    cashback, you will still net 1.5% cashback by using your credit card.
+
 5) You can have multiple of the same credit card to maximize its perks. Sometimes this requires upgrading from a lower
    tier card, sometimes you can apply through a co-branded credit card.
 
-#### Before applying to a new credit card:
+## Before applying to a new credit card:
 
 1) Ask your coworkers for a referral; typically you both will benefit from a referral. There are **no** referral links
    in this post. Do not post referral links in comments, they will not be approved.
+
 2) Be cognisant of credit inquiries, credit card company
    [application restrictions](https://thepointsguy.com/credit-cards/credit-card-application-restrictions/), and timeline
    to achieve minimum spend bonus offers. You will not be able to apply for a high number of credit cards in a short
    time.
+
 3) Understand the credit card's benefits and have a plan for how you will use the credit card.
+
 4) Know which companies [waive annual fees](https://militarymoneymanual.com/credit-cards-waive-annual-fees-military/)
    for military.
+
     1) American Express
+
     2) Chase
+
     3) Citi
+
     4) U.S. Bank
 
 Personally, I value cash back over points because I can immediately treat them as monthly "rebates" on purchases. Even
@@ -64,12 +75,14 @@ on all purchases. The new [Robinhood Gold Card](https://robinhood.com/creditcard
 but requires a RobinHood Gold subscription (\$5/mo).
 
 1) [Citi Double Cash](https://wwww.citi.com/credit-cards/citi-double-cash-credit-card): 2% cashback
+
 2) [Wells Fargo Active Cash Card](https://creditcards.wellsfargo.com/active-cash-credit-card): 2% cashback
 
 ### Restaurants
 
 1) [Chase Sapphire Reserve](https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve): 3x points (50% bonus
    on all Chase points when redeemed through the Chase Travel Portal so effectively 4.5x points), \$300 travel credit.
+
 2) [American Express Gold Card](https://www.americanexpress.com/en-us/credit-cards/credit-intel/gold-card-rewards-points/):
    4x points on up to \$50,000/yr, 4x points on up to $25,000/yr on groceries, \$120 dining credit, \$10/mo Uber credit,
    \$100 Resy Credit, \$7/mo Dunkin' Donuts Credit
@@ -80,40 +93,52 @@ but requires a RobinHood Gold subscription (\$5/mo).
    3% on up to \$2500/quarter. Bank of
    America [Preferred Rewards](https://promotions.bankofamerica.com/preferredrewards/en) increases the cashback to 5.25%
    if you have \$100,000 in an IRA or brokerage in a Merrill Lynch account.
+
 2) [Chase Prime Visa](https://www.amazon.com/Prime-Visa/dp/BT00LN946S): 5% at Amazon
+
 3) [Amex Blue Cash Everyday](https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/): 3% on up to
    \$6000/yr
 
 ### Travel
 
 1) [American Express Platinum](https://www.americanexpress.com/us/credit-cards/card/platinum/): 5x points with airlines,
    Priority Pass Lounge access, Centurion Lounge access, \$200 airline credit
+
 2) [Chase Sapphire Reserve](https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve): 5x points on airline
    purchases through Chase Travel portal, 50% point bonus (for all Chase cards) when redeemed for travel in the Chase
    Travel portal, Priority Pass, Chase Sapphire Reserve lounge access (note: if you have multiple credit cards with a
    Global Entry credit, you can use the other credits on other people)
+
 3) Airline Specific with Lounge Access (and other benefits):
+
     1) Delta:
        [Amex Delta SkyMiles Reserve](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/)
        and [Amex Delta SkyMiles Platinum](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card).
        With both credit cards, you will get automatic Silver Status with the MQD Headstart on both Credit cards and two
        Companion passes each year.
+
     2) American:
        [Citi AAdvantage Executive World Elite](https://creditcards.aa.com/credit-cards/citi-executive-card-american-airlines-direct/)
+
     3) United:
        [Chase United Club Infinite](https://creditcards.chase.com/travel-credit-cards/united/club-infinite)
+
 4) Hotel Specific (free night(s)):
+
     1) Marriott:
        [Chase Marriott Bonvoy Bountiful](https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bountiful)
+
     2) Hilton:
        [Amex Hilton Aspire Card](https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/)
+
     3) IHG:
        [Chase IHG Premier](https://creditcards.chase.com/a1/ihg/Premier12325NAEP)
 
 ### Grocery Shopping
 
 1) [American Express Blue Cash Preferred Card](https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/):
    6% cashback on up to \$6,000/yr, 6% cashback on select streaming subscriptions, 3% cashback on gas.
+
 2) [American Express Gold Card](https://www.americanexpress.com/en-us/credit-cards/credit-intel/gold-card-rewards-points/):
    4x points on up to \$25,000/yr, 4x points on up to $50,000/yr at restaurants, \$120 dining credit, \$10/mo Uber
    credit, \$100 Resy Credit, \$7/mo Dunkin' Donuts Credit
@@ -122,6 +147,7 @@ but requires a RobinHood Gold subscription (\$5/mo).
 
 1) [PenFed Platinum Rewards](https://www.penfed.org/credit-cards/platinum-rewards-visa): 5x points on gas and EV
    charging
+
 2) [American Express Blue Cash Preferred Card](https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/):
    3% cashback, 6% cashback on up to \$6,000 in grocery store purchases, and 6% cashback on select streaming
    subscriptions.
@@ -130,8 +156,10 @@ but requires a RobinHood Gold subscription (\$5/mo).
 
 1) [Discover It](https://www.discover.com/credit-cards/cash-back/it-card.html): 5% cashback on quarterly category. These
    categories include grocery, Amazon/Target/Walmart, PayPal, restaurants, etc.
+
 2) [Chase Freedom Flex](https://creditcards.chase.com/cash-back-credit-cards/freedom/flex): 5x points (7.5x with
    Chase Sapphire Reserve) on quarterly category
+
 3) [Bank of America Customized Cash Rewards](https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/)
    3% on up to \$2500/quarter of your selected category (Gas/EV charging stations, dining, travel, drug stores and
    pharmacies, or home improvement). With preferred rewards, 5.25% cashback.
@@ -140,9 +168,12 @@ but requires a RobinHood Gold subscription (\$5/mo).
 
 1) [Churning](https://thepointsguy.com/credit-cards/credit-card-churning/)
    and [manufactured spend](https://www.reddit.com/r/churning/wiki/manufactured_spending/)
+
 2) [Upgrading credit cards](https://thepointsguy.com/credit-cards/your-ultimate-guide-to-credit-card-upgrades/) to
    maximize sign-up bonuses on lower tier cards, but receiving multiple benefits of higher tier cards.
+
 3) Maximizing [sign up bonuses](https://thepointsguy.com/credit-cards/limited-time-card-offers/)
+
 4) [Point breakdowns](https://thepointsguy.com/credit-cards/best/)
 
 ## What's in my wallet
@@ -164,7 +195,7 @@ but requires a RobinHood Gold subscription (\$5/mo).
 
 I pay \$0 in annual fees, these are just the cards I regularly use and the primary benefits utilized with each card.
 
-## Next cards I'll be applying for
+## Next cards I'll be applying for:
 
 1) [Robinhood Gold Card](https://robinhood.com/creditcard/), 3% cashback on everything