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If you mean you chose the wrong account to be the main one in your Cross-Save, then yes, you'll have to wait 90 days, no way around it.
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Edit the 'Destiny 2' tag on your post to 'Help' so a mentor can see it easier. However, I'm pretty sure you'll be told that there's no way to circumvent the 90-day cooldown period. For your sake, I hope I'm wrong.
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I have to wait the 90 days