If you apply for a new credit card and the postal service sends it to you, but your credit card has not been activated yet, it is impossible for any third party, including the postal service, to deduct money from your card.

If your

mobile banking

or online banking shows that your inactivated card owes 40 yuan, it is most likely the bank's behavior, such as There are production fees, etc.

Additional expenses

These will directly show the amount owed.