Karma has nothing to do with cause and effect.
Karma is never negative.
Karma is never a punishment.

Let me explain.

Every Universe is a school.

There are 41 lessons to learn in this Universe.
If you come here for the first time you have to learn 41 lessons, and not forget them. So, at that time you are loaded with karma.

Every time you are reborn is another moment to graduate for one of these lessons. Just don't forget the lessons you have already learned, otherwise you have to do them again.

You find the energetic representation of these lessons in the chakras. Popular belief will tell you there are 7...that is wrong.

There are 41 chakras, 17 below you, 7 in your body and 17 above you.

Don't bother to search the internet or books for this, it is not there.