Yes, I didn’t think the MFS/MFJ was addressed so still an open issue. The main thing that caught my eye was the carryback feature. I think that means if your credit is limited by your tax this yr, you can also use last yr to get all/part of the remaining credit if you had a tax liability.
(similar to FTC).
I guess I was thinking that if you re-evaluate the MFS/MFJ issue and found that the MFS was not advantageous, you wouldn’t have the MFS/MFJ issue w/ the tax credit. Supposedly the MFS benefit exists but is rare……I think I recall is some issue about student loans where only one has a big loan. But perhaps yours is another case where it is true.