Can an auto loan be used against you by credit card companies to raise your APR?

I think that if you are delinquent on one credit card another credit card company can charge you higher rates based on 'universal default'. What other types of credit does that extend to besides plastic, auto loans or mortgages? I've never been late with payments but my FICO is low because of excessive debts to income and dont want that to get used as an excuse by my bank to raise APR on my credit cards.
Added (1). EDIT: I am not in default and have access to other sources of income if needed. I'm concerned about my rates being raised on credit just because one of my bankers gets a little nervous over seeing what income I do have. Creditors need cause to raise your APR? Or this is done arbitrarily

Read more: Can an auto loan be used against you by credit card companies to raise your APR?