Uses Lending Club's API to access the user's account and return the summary
lc_PendingTransfers(LC_CRED = NULL)Credential object having class LendingClub_credential. This object can be created using the lc_MakeCredential() function. You can pass the object directly as an argument to the function or alternatively, it can be read from the global environment if it was stored as "LC_CRED".