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Signing up for them in bulk, scooping the signing bonuses, strategically using the good ones, and cancelling the duds.

So, motivated by the idea of sharing the story with YOU, I used myself as a guinea pig and signed up for a Chase Ink Business card (pictured above) that came in the mail, directed to my business name. The tale below describes the experience: I applied online, using the web address specified in the paper mailing, including a specialized offer code.

As far as I can tell from reading the user agreements, there is no unusual downside to these cards – there is no annual fee and the cash back and benefits are competitive with older cards.

One friend of mine makes quite a game of this, keeping a boquet of 14 active cards in a special folder and cranking all sorts of “manufactured spending” through them.

Today, the credit card companies still send similar checks, but they now have much sneakier conditions like “0% APR for one year! Excuse me, but that’s a 3% APR, about the same as my existing home equity line of credit.

Trying to mislead customers like that is a huge FAIL and should be illegal.

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