I introduced a cardinal-preserving method for forcing clubs through with finite conditions, even without CH in the ground model. My motivation was to try to do this for instead of for just omega_2, preserving the powerset axiom. (I was looking for a new characterisation of .) So I was essentially asking your question back then. Unfortunately there were 2 obstacles: I didn’t even know how to do this for or for without killing CH (see the last 2 questions in my paper cited above). The good news is that Krueger and Mota recently solved the latter problem; we are currently thinking about . So my conjecture is: There is a cardinal-preserving class-forcing with finite conditions that does not reduce to a set-forcing and preserves ZFC. I admit that this is very hard, but there is no hint of an obstruction to it. At the same time, I confess that I don’t know how to do it.
I agree that may be how the question go. Actually I think Aspero has the best partial results now, he can prove that for each n there is a cardinal preserving forcing which has a new subset of which is not -cc generic over V.
However to generalize the method it looks like one might need square at etc. So there may be some rather serious obstructions.