To pass his advanced mathematics exam, Xiao Wenhua follows a wish-making post on the BBS and pricks his finger before a wishing tree. To his surprise, he receives a card with six “119”s in its number, an “Underworld Bank Card.” He also finds a photograph of the beautiful Li Xiaoxiao tucked inside an old advanced mathematics textbook. After he uses the card to withdraw money, his classmates start losing money and suffering accidents. He eventually learns that his roommate, Liu Junfeng, used the wish-making post to transfer the card's curse to him in a bid to save himself. The truth about Li Xiaoxiao is then revealed: five years earlier, she died in a fire after being misunderstood because she smoked. Xiao Wenhua finally destroys the Underworld Bank Card by burning it, resolving the crisis. Years later, he unexpectedly encounters Li Xiaoxiao's image in a graduation photo.
