Sorry yes. if you do not qualify for the Recovery Rebate Credit because of your 2020 tax situation then you will not be able to get the missed stimulus payment.
See IRS question Q B3 here, Change in Eligibility
https://www.irs.gov/newsroom/recovery-rebate-credit-topic-b-eligibility
The Recovery rebate credit is really based on your 2020 AGI, not 2019 or 2018. See my posts on this one. I found a couple IRS links that say if you don't qualify for more based on 2020 and you don't have to pay it back if you got too much.
https://ttlc.intuit.com/community/tax-credits-deductions/discussion/recovery-rebate-tax-credit/00/17...
And see the employee expert answer here
https://ttlc.intuit.com/community/taxes/discussion/recovery-rebate-credit-stimulus-incorrect/00/1942...
She said......
If you do not qualify for the Recovery Rebate Credit because of your 2020 tax situation then you will not be able to get the missed stimulus payment.
