A single BIN cannot be used to issue both a credit card and a debit card.
If a bank offers both credit card and debit card products, we can say it has at least 2 different BINs.
Can we use a BIN number that we previously obtained as a debit card BIN for a credit card instead?
When a card BIN is obtained from the relevant payment scheme (Mastercard, Visa, Troy, etc.), information is provided on whether that card is a credit card or a debit card. Under the relevant payment scheme, the BIN is allocated by card type as credit card/debit card/prepaid card, announcements are made to all banks on a card-type basis, and POS terminals and ATMs act on this information.
You can read the article below about the content of the card BIN number and what information can be accessed based on that content.
https://arifunal.com/yazi/bana-bin-numarasini-soyle-sana-kartinin-soyagacini-soyleyeyim/
Why is a separate BIN required?
The BIN indicates the card type in transaction routing and clearing accounts. Since credit and debit cards have different commission, risk, and verification rules, mixing them under the same BIN leads to incorrect calculations.
When planning a new product, a bank should manage its BIN inventory by product type. Mixed use also conflicts with scheme rules.
When a new BIN is needed, it is safer to obtain a new one rather than reassign an existing BIN.
