Hello~ From my experience there is not one person who has a soul. But not to worry!
The important consideration is that all action partaken relative to self-reflective consciousness assimilates light or heavy karmic retribution relative to the situation.
It depends on the situation, most of all— if you are keeping score. But the real issue is that energetic "retribution", whether initiated by you or else by the Creative's impersonal organization, is that values of good or bad relative to your personal perspectives based on conditioned bias and inclination are unequivocally bound in terms of Creation— meaning that no karma is good karma.
Let me go a bit further with this. "Good" or "bad," karma is still karma, and that is ultimately binding in terms of your spiritual potential (that's the real immaterial substantive precious metal behind the tangible legal tender (karma), you're playing with (with some second thoughts as per your OP).
In saying that "no karma is good karma" is analogous in terms of the cliché from the mid-century Western film genre, "a good Indian is a dead Indian." No karma means dead, spent, purified, burnt-up impersonalized karma. It isn't karmic anymore. And such purification doesn't happen in hell or anywhere else referenced in provisional teachings the world over. You have no soul and there is no omnipotent creator god constituting a thing who cares a whit about it.
It's all at once in perpetuity. In terms of creation, karma keeps the world deluded in delusion, relative to personal psychological values, based on actions, your actions. You can perpetuate karma and you can purify karma.
Purifying karma is reverting created energy back into its potential~ like trading in paper money for gold. But there will be the tally based on action, your energetic action— and you may discover that you OWE!! Perhaps that may be an effective, but bad analogy…
As for reverting created energy into potential, enlightening beings do this as their day-jobs. Jesus did it famously on his own account— there's no other way to do it. We all can do it, but even if only on our own account, the result is universal, because potential isn't created, meaning such is undifferentiated, unified and selfless. Not a big deal, really, because awareness is not only universal, it isn't created either. And that is how it is the way it is— there is no why.
If you feel karma looming, mull it over before acting. After you act, it's too late for regrets.