Will you be affected by karma if you don't believe in it?

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You won’t.

All those answers are trying to persuade you that karma exists. This is extremely counter-productive because they all try to make you believe something you already don’t believe in.

You don’t believe in karma? Good for you! Less superstitious crap to let go of. Don’t try to. Better find other things you still believe in which are not true.

If you ever stumble into spiritual enlightenment, you will simply understand what Buddha meant by karma. It doesn’t mean it will become real. Karma is illusory. Maybe you’ll call it something else. You will just understand. You will also understand that most people don’t understand karma haha. And it will also not matter to you.