Cathy Timberlake is an independent, small-town beauty making a fresh start in New York City. Down-on-her-luck after an unfortunate bus splash ruins her interview outfit, she seeks reimbursement from the responsible party: billionaire playboy and corporate tycoon Philip Shayne. When she arrives at his opulent office, Philip is immediately captivated by her fiery spirit, wholesome charm, and unapologetic morality. Accustomed to women who easily succumb to his wealth and effortless charm, Philip sets his sights on seducing Cathy, viewing her as the ultimate challenge.Cathy, however, is fiercely protective of her virtue. She makes it clear that she is a traditional woman who expects marriage before intimacy. Unwilling to accept defeat, Philip deploys his vast resources, lavishing her with extravagant gifts, high-end dinners, and access to elite social circles. Despite her strong resolve, Cathy finds herself swept off her feet by his attentive romance and undeniable magnetism. The tension peaks when Philip invites her on a lavish, all-expenses-paid trip to Bermuda. Torn between her deep affection for Philip and her staunch moral code, Cathy ultimately agrees to go, but only under the strict condition that they occupy separate hotel rooms.Once in paradise, Philip’s sophisticated charm and relentless persistence begin to wear down Cathy's defenses. He pulls out all the stops to erode her resolve, culminating in the purchase of a gorgeous, highly coveted mink coat—the titular symbol of temptation and surrender. Overwhelmed by the luxury, the romantic atmosphere, and her own intense desires, Cathy finally relents and agrees to consummate their
relationship.However, disaster strikes the very next morning. Through a series of misunderstandings and clumsy interventions by Cathy’s well-meaning roommate Connie and Connie's neurotic husband Roger, Philip panics and abruptly backs out of the romantic encounter, fleeing the room. Humiliated, heartbroken, and feeling deeply used, Cathy packs her bags and flees back to New York, vowing never to see Philip again.Back home, a despondent Cathy spirals into
emotional turmoil, leading to psychosomatic hives brought on by repressed stress. Meanwhile, Philip realizes that his feelings for Cathy have evolved from a fleeting conquest into genuine, deep-seated love. Determined to win her back, he tracks her down and enlists the help of a psychiatrist to cure her physical ailments, which stem entirely from her heartbreak. Through a series of comedic and touching confrontations, Philip proves the sincerity of his devotion, abandoning his playboy ways for good. Cathy, finally realizing that his love is real, forgives him, and the couple happily reunites, looking forward to a traditional future together.