how important is self forgiveness in karma ?

I am trying to understand karma, I have and continue to read about intention and letting go. I am struggling with something. Could you help me ? A) If I acted (unwisely, unkindly, causing suffering), not knowing that what I was doing was wrong, and never realizing it to be wrong, I believe this is neutral. B) If I acted (unwisely, unkindly, causing suffering), ***while knowing*** that what I was doing was wrong, and ***continued to understand it to be wrong***, I believe this is bad. C) If I acted (unwisely, unkindly, causing suffering), ***while knowing*** that what I was doing was wrong, and ***then saw that the act resulted in something good***, I believe this is bad. D) If I acted (unwisely, unkindly, causing suffering), ***not knowing*** that what I was doing was wrong, and ***later realized it to be wrong***, I believe this is neutral. If (now that I understand) I harbor guilt and attach to this guilt I am doing bad. Here I am asked to forgive myself and move on. If I continue to wallow in the guilt then I am doing more bad. (assuming I am correct on A-C) the problem I have with D is likely based in the faith of my birth (catholic), where I was made to believe that guilt is really like a payment and the worst the act the longer you need to pay for it (like a monetary value) by continuing to hurt yourself with guilty feelings. in Buddhism, if attaching to guilt is bad, then how long do you need to feel it ? do you just move on as soon as you realize it was wrong ? If the suffering impacted someone else do they have a "say" in how long you cause yourself suffering (if not literally, then in some kind of moral equivalence that you calculate yourself ?) thank you for sharing your insight.