One of the Best books on subject:
Extra Ecclesiam Nulla SalusImagine a Catechumen desires Baptism (at what point does he receive FULL REMISSION OF ALL SINS?????)
Why? Because the COUNCIL of TRENT states that if you Receive Holy Bapstim (the Sacrament) and then state "after-the-fact" you did not "receive" the Remission of sins (hence the desirous Catechumen) then you are Anathema!
Council of Trent: DECREE CONCERNING ORIGINAL SIN, Canon 5:
"5. If any one denies, that, by the grace of our Lord Jesus Christ, which is conferred in baptism, the guilt of original sin is remitted; or even asserts that the whole of that which has the true and proper nature of sin is
not taken away; but says that it is only eased, or not imputed; let him be anathema. For, in those who are born again, there is nothing that God hates; because, There is no condemnation to those who are truly buried together with Christ by baptism into death; who walk not according to the flesh, but, putting off the old man, and putting on the new who is created according to God, are made innocent, immaculate, pure, harmless, and beloved of God, heirs indeed of God, but joint heirs with Christ; so that there is nothing whatever to retard their entrance into heaven. But this holy synod confesses and is sensible, that in the baptized there remains concupiscence, or an incentive (to sin); which, whereas it is left for our exercise, cannot injure those who consent not, but resist manfully by the grace of Jesus Christ; yea, he who shall have striven lawfully shall be crowned. This concupiscence, which the apostle sometimes calls sin, the holy Synod declares that the Catholic Church has never understood it to be called sin, as being truly and properly sin in those born again, but because it is of sin, and inclines to sin."