@mooglestar: Lucky! Last night, I was trying to do that and it would not work. A buddy of mine said he had no problem. All I saw was $20 to upgrade and I said, no way, I know I paid for it. It even shows 96 hrs next to it, so obviously I played it a lot.
I ended up finding that I did playing the FO4 that I bought on disc but also added the free one to my library. Once I put my disc in, It worked.
Took me quite a while last night to realize that the PS plus giveaway would not get the PS5 upgrade. About 30 minutes later, decided to try the disc I had and viola! Worked..
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