Consumers have racked up record credit card debt. Falling interest rates could benefit this company in a huge way.LendingClub (LC -4.15%) has gone on a tear this year and outpaced the broader market, with the stock gaining almost 60% since the start of 2024. The consumer lender is in an excellent position to benefit from falling interest rates as consumers grapple with record-high credit card debt. According to a First Tech Federal Credit Union survey, 38% of consumers have considered consolidating their de ...