Unfortunately, for security reasons, if players disabled their Cross Save for any reason they will have to wait out the 90-day lockout before they can enable Cross Save again. There are no exceptions to this policy.
https://www.bungie.net/en/Help/Troubleshoot?oid=48099
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So does this mean I can only access those characters on the account they were created on for 90 days? If I was to make a character on my PS4 and play it, then after the 90 days set up Cross play and have access to both my PS4 character I had to play and my 2 Steam characters that I was not able to play with Cross Play?
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Nothing merges in cross save if you make a ps4 character you wod need to use that as Main save to us it in cross save