Would you credit it?

My credit card provider (whom I will not name, although it rhymes with Warclays, and begins with a B) sent me a text the other day. It informed me that I could use the card to make contactless payments on London buses.  This irritated me quite a lot because:
a) I already knew this
b) I live in London and am old enough to have a "Freedom Pass" (or bus pass as some readers will know it) and therefore have no interest whatsoever in any other means of paying for this form of travel
c) The credit card company knows my address and date of birth and spending patterns and therefore they know that either
i) I must have a Freedom Pass or,
ii) I do not have one because I do not need one
and in any case they know that I have a car and they know when I buy petrol.

So why did they send me this text? Just a general mail-out (or text-out or whatever the phrase is)? Ah, you will say (or at least those of you with some knowledge of these matters) - you can request them to stop sending texts. Yes, I will reply, and that is what I did. Their text included the instruction for informing them that I no longer wished to receive such missives. I sent it off. And naturally yesterday I received another unwanted text from the same source informing of precisely the same thing that they had already told me about, viz, that their card works on buses.

What are we to conclude? The people who run these advertising campaigns are thick or uncaring? That they don't know how to use the data at their disposal to target their adverts intelligently? That when they tell you you can text them to stop further messages, this is a lie or that they are too incompetent to actually do anything about it?  Yes, all of these things. I find the defendants guilty on all charges. Case dismissed.