The card is sent by registered mail, and you need to sign for it. If you can prove that you didn't collect it, you can call the police and then ask the bank to waive it with proof. And if the bank can prove that you signed for it, you need to bear the liability for compensation.

What's more, there is a card opening process after receiving the card, and it can only be used after opening the card. If you can't prove it, that's your problem.

Think about it.