I always do our tax returns but as my husband was always down as the assessable spouse I changed it at the start of 2019 so that I was the assessable spouse, ( jointly assessed) just for ease of dealing with tax office as my husband isn’t registered online. I only noticed this year that the 3,300 tax credits were switched to me last year when I did this. I earn 16,500 a year and my husband around 63,000. Does that mean we have a lot of unused tax credits for 2019?