Ping An car owners can apply for credit cards, but they need to meet certain conditions. The specific analysis is as follows:

1. Natural persons who are over 18 years old and have full capacity for civil conduct can apply for Ping An Bank Car Owner Card Credit Card.

2. The applicant needs to have a stable job and income, and the bank must ensure the applicant's ability to repay debts.

3. Applicants need to have good personal credit. Good credit is beneficial to credit card applications.

4. Applicants need to have a certain financial foundation. The stronger the financial strength, the greater the probability of approval by the bank, and the higher the amount given by the bank.