فَإِذَا مَسَّ ٱلْإِنسَٰنَ ضُرٌّۭ دَعَانَا ثُمَّ إِذَا خَوَّلْنَٰهُ نِعْمَةًۭ مِّنَّا قَالَ إِنَّمَآ أُوتِيتُهُۥ عَلَىٰ عِلْمٍۭ ۚ بَلْ هِىَ فِتْنَةٌۭ وَلَٰكِنَّ أَكْثَرَهُمْ لَا يَعْلَمُونَ
Fa izaa massal insaana durrun da'aanaa summa izaa khawwalnaahu ni'matam minna qaala innamaaa ootee tuhoo 'alaa 'ilm; bal hiya fitna tunw wa laakinna aksarahum laa ya'lamoon
And when adversity touches man, he calls upon Us; then when We bestow on him a favor from Us, he says, "I have only been given it because of [my] knowledge." Rather, it is a trial, but most of them do not know.

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Tafsir

79%64%65%Al-JalalaynIbn AbbasIbn Kathir
Scholars largely agree on this ayah

So when some distress befalls man al-insān here a generic he supplicates Us. Then when We bestow on him a grace from Us he says ‘I was given it merely by force of knowledge’ from God that I was deserving of it. Nay but it this saying is a trial a test by which servants are tested. But most of them do not know that such bestowal of grace is a way of drawing them on and a test of their faith.

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About Quran 39:49