I've read through the forms.
According to IRS fact sheet Q A11: What does it mean to me if my child tax credit is FULLY refundable?
A11. It means you do not need any income or need to owe any tax in 2021 to receive the full amount of child tax credit for which you are eligible.
Q A10 states that it's fully refundable. Not that it reduces taxes owed.
Read the IRS Fact Sheet for the child tax credit. That's where my info is coming from.
