The company United Usury Services advertises credit terms that are not actually available. Rather, they are used merely to attract potential buyers. This practice is known as

Bait and switch advertising

Explanation:

Bait-and-switch advertising refers to a situation in which a company advertises a good or service at a low price and when customers try to buy the product or service, they find out that it is not available and then, the company try to convince the customers to buy something different that is more expensive. According to this, the answer is that this practice is known as  bait and switch advertising because United Usury Services advertised credit terms that they were not actually providing to find people interested and offer them something else.

answer; signaling;