Is it bad to wear a moisturizer with SPF at night?!?

Well, it's not bad but you're wasting product. You do not need sunscreen at night because the moon only reflects not even 1% of the suns's uva rays. If you want a product with bha, neutrogena's 3 in 1 oil free acne stress control hydrating treatment, even tough it's for people with acne and oily skin, it's cheaper than olay and works really good with people with any skin type :) my personal favourite product :) but if you're not willing to buy it, well it's ok. But you're wasting sunscreen though