Henry had a balance of 195 on his credit card bill, but he only paid the minimum payment of 15. All of the following are true EXCEPT: Henry avoided paying late fees Henry will still owe 180. plus interest, which will be incorporated into his next billing statement Henry avoided paying Interest by making a payment on time Henry helped mittgate the damage to his credit score, even though he couldn't make the full payment

To determine which statement is not true, let's analyze each statement given the information that Henry had a balance of 15.1. **Henry avoided paying late fees**: This statement is true. By making any payment on time, Henry avoids late fees.2. **Henry will still owe 15, Henry will still owe 195 - 180 balance.4. **Henry helped mitigate the damage to his credit score, even though he couldn't make the full payment**: This statement is true. Making any payment, even the minimum, helps mitigate the damage to his credit score compared to not making any payment at all.Therefore, the statement that is not true is:**Henry avoided paying interest by making a payment on time.**