Last week, reported that survey results released in December 2005 by . found that a whopping 91% of online Americans owne a account and another 4% planned to open one during the next year. Only 1% of the study’s respondents said they didn’t know what a PayPal account was; how’s that for brand awareness?!?

But PayPal itself admits that of their 96.2 million accounts opened by the last quarter of 2005, they considered only 28.1 million active.

Americans are significantly more likely to use a credit card for their online transactions than they would use a PayPal account. An study from October 2005 showed that most online Americans (64%) used a credit card to buy stuff online, while 31% have used a debit card. By comparison, 26% have used PayPal.