I recently got a ps5 and wanted to link to my guardian on Xbox but can’t unless I buy silver to take my account out the negatives, I didn’t buy or refund the silver it was my brother and just want to link my guardian
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It doesn't matter who bought/refunded the Silver, it still has to be resolved to update Cross Save. https://help.bungie.net/hc/en-us/articles/360049498031-Destiny-2-Cross-Save-Guide