Hahahahah and 3 likes to boot .... 

Simply put you are wrong.  There are 2 types of tax credits.  "refundable" and "non refundable"
In the case of a non refundable tax credit, you can take the credit up until your liability is 0 in which case you have maxed it out, no matter the amount.  

A refundable tax credit will be refundable to you.   Meaning if your tax liability is 0 and you have additional tax credit that money is refunded to you ... (meaning you get money "back" that  you never paid.  

Please educate yourself before correcting others.
  
for more information please go to 

https://www.irs.com/articles/refundable-vs-non-refundable-tax-credits