Capitec Bank interest rates not aligned with Reserve Bank repo rates reductions.

Capitec Bank interest rates are not aligned with Reserve Bank repo rates reductions. It seems that Capitec Bank does not bring their personal loans and Credit card accounts down as Reserve Bank brings down the repo rate. Reserve bank have brought down the repo rate by 200 basis points and the Capitec Bank interest rates stays the same. Is this even legal. I have submitted mails to Capitec client centers, but no response and this during the COVID-19 pandemic.