system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5: Who actually owns the credit card companies Visa, Master Card, and American Express?

Someone asked me when you use one what institution are you borrowing money from and it turned to be more complicated than I thought after Googling it...
gpt
All three of those companies are floated on the stock exchange, so their owners are whoever it is that owns their shares. As with most large floated corporations, the majority of shareholders are likely to be corporate investors; in other words banks, other financial services companies, and pension and investment funds.