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Toronto postal station inquiry - help!

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wolfwolf

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Feb 17, 2004
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Somewhere in nowwhere
Terbites, I've got to mail a cheque to Capital One (Canada), a credit card company (as you know) to obtain a secured credit card. They have an odd little thing in the Postal Station address; here it is:

P O Box 63286, STN BRM B
Toronto, ON
M7Y 3B1

Does anyone know what "BRM" means; never seen it before.

Also, this address differs from the two or three P O Box numbers on their website.

I'm asking because:

a) I phoned them using their 1-800 number but I got a gal from the Phillipines saying she can't help because they don't make outbound calls.

b) I chatted with Capital One rep on the online chat; they too couldn't verify the address

c) I called the federal regulator in Ottawa for help in verifying this address. They suggested I email their ombudsman: ombudsman@capitalone.com I've since gotten an email back saying they would need 7 business days or so to verify the address (above).

While I am waiting, any enlightenment from you in the Terb world?
 
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Moraff

Active member
Nov 14, 2003
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Canada Post lists Station BRM B on their index of delivery areas...

http://www.canadapost.ca/cpc2/addrm/hh/current/indexa/caONu-e.asp

and when I click on the M7A link beside it it tells me that Station BRM B is a single building with one business so perhaps BRM is something to do with the name of the building?

M7A is the area inside the Queens Park Circle roadway if that helps narrow down what building it might be.

When I search on Dogpile for "TORONTO STN BRM B" I get a lot of different hits with P.O. boxes there: Heart & Stroke Lottery, Sick Kids Lottery, Canadian Warrenty Corp, Scotiabank Student Loan Centre....

All of which seem to imply that the majority of incoming mail will be of payments.... which leads me to suspect that STN BRM B is the home of a payment processing firm - they handle opening and processing the payments and forward the info to their customers.
 
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Ironhead

Son of the First Nation
Sep 13, 2008
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wolfwolf said:
Terbites, I've got to mail a cheque to Capital One (Canada), a credit card company (as you know) to obtain a secured credit card. They have an odd little thing in the Postal Station address; here it is:

P O Box 63286, STN BRM B
Toronto, ON
M7Y 3B1

Does anyone know what "BRM" means; never seen it before.

Also, this address differs from the two or three P O Box numbers on their website.

I'm asking because:

a) I phoned them using their 1-800 number but I got a gal from the Phillipines saying she can't help because they don't make outbound calls.

b) I chatted with Capital One rep on the online chat; they too couldn't verify the address

c) I called the federal regulator in Ottawa for help in verifying this address. They suggested I email their ombudsman: ombudsman@capitalone.com I've since gotten an email back saying they would need 7 business days or so to verify the address (above).

While I am waiting, any enlightenment from you in the Terb world?
Click to expand...
I have a CapOne card and all I did was fill out their form and send it in, no cheque needed.

I suggest you get back 'online' with them and ask how to get a card and/or just check out their website.
 
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toguy5252

Well-known member
Jun 22, 2009
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You should NEVER have to send a cheque to get a credit card. Something is wrong and you should be very, very skeptical.
 
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Armagettin

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Dec 9, 2008
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Ironhead said:
I have a CapOne card and all I did was fill out their form and send it in, no cheque needed.

I suggest you get back 'online' with them and ask how to get a card and/or just check out their website.
Click to expand...
It is a secured credit card. Poor credit risk so you give them money, usually a few hundred and you can use the card up to that amount. It is a way to begin building a positive credit profile when you can't get a regular card.
 
M

Moraff

Active member
Nov 14, 2003
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toguy5252 said:
You should not have to "load" the card until after it is issued.
Click to expand...
I'm guessing the OP has already applied and been approved for the card (hence why he has the address to mail the funds to) so now he has to put the money on it before it becomes usable. Waiting for the card to physically arrive would just delay things.
 
M

Moraff

Active member
Nov 14, 2003
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Looking at my CapOne stuff tho.. payments go to a STN D address, which is the same as listed on their website. So perhaps it would be a good idea to review my assumption...

Did you contact CapOne to apply for the secured CC or is it a mail offer?

If it's a mail offer then I would go to their website http://www.capitalone.ca/ and apply for it that way.

Chances are pretty good that they just run their mail offers through a handling service, but just in case....
 
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wolfwolf

New member
Feb 17, 2004
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Somewhere in nowwhere
Clarification about the card

Thanks, Terbites for your observations and suggestions. Much appreciated.

Quick note to you:

Moraff: I appreciate your initial and follow up notes. I initiated the application process for the SECURED card. Not a mail offer. Also, the card issuer would not mail the card the until the secured funds are received because they won't know what the limit is (that is, the secured funds amount is). In other words, a $10,000 limit on the card would require a
$10,000 cheque sent in to serve as "security".

Lucky J.: You're right on the target - BRM must mean "business reply mail" in this context.

Ironhead: Cheque for funds has to be cleared by the card issuer before they issue or mail the card, just as Armgettin points out.
 
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