Lin Zhao transmigrates into the world of a novel and becomes a disciple of the Mystical Sect. She and Shen Yan have been childhood sweethearts, bound by a marriage pact. However, Shen Yan falls for the female celebrity Su Niannian. To help her resolve her karmic burdens, he steals the merit Lin Zhao has painstakingly accumulated over seventeen years. What Shen Yan doesn't know is that what Lin Zhao carries isn't merit, but a high-interest loan from the Underworld. Once Lin Zhao is rid of the loan, she feels completely free. But Su Niannian fails to repay the debt on time and is pursued by messengers of the Underworld, while Shen Yan also pays a terrible price.