Preheat your oven to 400°F (200°C).

Line a baking sheet with parchment paper.

In a mixing bowl, whisk together the flour, baking powder, and salt.

Add the cold, cubed butter to the dry ingredients and blend until it resembles coarse crumbs.

Stir in the shredded cheese, garlic powder, and black pepper.

Make a well in the center and pour in the milk, mixing gently until just combined.

Turn the dough onto a floured surface and gently knead it a few times, then pat it into a circle about 1 inch thick.

Cut the dough into wedges or shapes and place them on the prepared baking sheet.

Bake for 15-20 minutes or until golden brown.