What’s with bank’s midnight promo SMS?

On April 18, 2013, I was awakened by my cell phone. The message came from a bank: “Buy now pay later this Back to School season! Enjoy absolutely 0% installment and special offers at over 300 stores nationwide until July 15…”

Why must the bank send messages, such as a promo notice, at the ungodly midnight hour?

I’m over 70 years old and out of the back-to-school worries.

Isn’t there a law against this?

—EVA S. DE VEYRA,

Marikina City