@allibaba6
You are misreading the Fact Sheet. "Fully refundable" is a technical tax term. It does not mean that you get a refund of the full amount of the credit. It means that the credit does not get reduced if your tax on Form 1040 line 24 is less than the amount of the credit.
The Fact Sheet says you "receive the full amount of child tax credit." It does not say you receive a refund of the full amount. If Form 1040 line 28 is $4,500, you are receiving "the full amount of child tax credit." You have to look at Form 1040 line 28, not at your refund.
