From the Super Mario Wiki, the Mario encyclopedia
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The Gold Credit is a key item found in Paper Mario.
When Mario completes the second of Koopa Koot's favors after the events of Chapter 3, Koopa Koot will reward him with a single Coin and the Gold Credit, which is used in the Playroom on the south side of Toad Town. This credit replaces the Silver Credit that Mario had previously earned from Koopa Koot.
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