I want to link my xbox and playstation accounts but what happens would it wipe all my ps4 characters because when I am about to link it says "Warning: Migration of this account will close the cetm12 (12901850) profile, as it will no longer have any accounts capable of signing into it."
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This will not affect anything in game. What is happening is it is closing the Bungie profile that was linked to your PS account as it will not actually have a PSN ID linked to it anymore once you link your PSN ID to the Bungie profile your Xbox live account was linked to.