The Bible does not teach that the universe is locked into karma or any universal law. Yes, God did design the universe to operate by some basic principles of justice and retribution, many of which are mentioned throughout the Bible. But God can alter the laws He has created and is not a slave to those principles. Though He is just, He is also loving, and His love for us can supersede His justice toward us. When it comes to our salvation, "He made Him [Jesus] who knew no sin, to be sin for us that we might become the righteousness of God in Him" (2 Cor. 5:21). God fulfilled His justice by exacting payment for our sins, but He did it through His Son dying in our place. That is contrary to what karma expects.
Because God loves us, and because His innocent Son satisfied His justice, God can give us His eternal life, His righteousness, and His forgiveness for all of our sins. By His grace through faith in His Son we are given what we do not deserve. While karma locks a person into a cycle of retributive justice, God breaks that cycle with His grace. While karma guarantees that a person gets what he deserves,grace guarantees that a person can get what he does not deserve. By definition grace is a free gift that is not deserved.
Grace trumps karma. In karma there is no hope apart from what we can do for ourselves by our own effort. The Bible teaches and experience shows that we are sinful by nature and left to ourselves we will do evil, and thus deserve punishment. Grace, however, does what we cannot do. It gives us eternal life that we do not deserve and gives us God's Spirit to help us do good things. Anyone who is hoping in karma for a good life now or in the future should flee to Jesus Christ for His gift of grace.
http://www.gracelife.org/