The Bears trailed 19-7 in the fourth period when the game turned in a big way.
Chicago (6-1) took over on the Carolina 38 after Brad Nortman shanked a 6-yard punt, and Cutler connected with Kellen Davis on a 12-yard scoring pass with just under 7 minutes left.
On Carolina's next play from scrimmage, Steve Smith slipped on an out pattern and Tim Jennings returned his second interception of the game 25 yards to make it 20-19. The pass failed on the 2-point attempt.
Cam Newton drove the Panthers to the Chicago 27, and Justin Medlock's 45-yard field goal hit the right upright and went through to put Carolina ahead 22-20 with 2:27 remaining. But Cutler moved the Bears 55 yards to the 23-yard line, going 6 of 7 before Gould nailed his winner.
"[Cutler] gets up smiling," Marshall said. "I'm sitting here shaking a little bit of the cold weather, a little bit of (being) nervous and he just starts smiling like, 'Well, here we go.' It just put me at ease right away. The guys feel that vibe and they play off of it."