Yeah, I use Turbo Tax every year as well. It always seems there's a form not ready or even my state program has not been finalized. I still love it, and usually by middle of February everthing is said and done. As far as the credit, Turbo Tax wording makes it look at first glance that it won't increase your refund, but if you look at it a little closer its based on the total tax you owe. It should decrease your tax liability by $xxxx.00 thus increasing your refund by the same amount. Except if you are in the wonderful position of not owing any taxes at all. Then you would lose it.

But of course I am not a tax professional, and I could be completely wrong!
Mark