Okay, I think I got it: I can take the credit if I am a single person who is not a dependent on someone else's tax return, I don't collect Social Security, am not a veteran, don't receive any Railroad benefits, only have one job, and make less than $75K a year.
But if I am married, spouse and I can make up to 150K, but I need to be careful that my spouse and I don't take too much of the tax credit, or else we have to pay it back in our tax return next year. Oh yeah, if I work out of the country that gets added to my income limits.
The tax may also affect my W-4 withholdings, so I may need to get with my HR office to adjust that. And I can't take the stimulus before April 1, or else I may have to pay some of it back as well.
Gosh, leave it to the U.S. Government to make it simple... 