@yanetown wrote:
Wording on the credit states
"The credit is nonrefundable, so you can't get back more on the credit than you owe in taxes."
You didn't say where you saw that wording. (Where is "on the credit"?) The wording is poor. The amount "you owe in taxes" does not mean how much you owe when you file your tax return. It means your tax liability, as explained in the other replies above. Your withholding has no effect on your tax liability.
