According to the passage, what is the main difference between credit money and fiat money？

A．Credit money is made of precious metals while fiat money is made of paper.

B．Credit money can be converted into precious metals while fiat money cannot.

C．Credit money is more valuable than fiat money because they have different contents.

D．Credit money was circulated in the past while fiat money is used in most modern societies.

请帮忙给出正确答案和分析，谢谢！

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