No it's not a disaster and that would not mean anything for you if it was.
If your only 2021 income is unemployment then if you did not get the $1400 stimulus advance payment then you can get this credit. If you are single and worked in 2019 there is a look back rule for the EIC ... you may be eligible for that credit if your 2019 earned income is in the correct range.
Now you didn't say but if you are claiming qualifying children on your return then the CTC is fully refundable for 2021 only . The program will complete this automatically.
