Thomas Aquinas,
Summa Theologiae — Question 18 - OF THE EFFECT OF THE KEYS…
“ I answer that, Whatever may be said of the effect of Baptism conferred on one who has already received grace, applies equally to the effect of the actual exercise of the power of the keys on one who has already been contrite. For a man may obtain the grace of the remission of his sins as to their guilt, through faith and contrition, previous to Baptism; but when, afterwards, he actually receives Baptism, his grace is increased, and he is entirely absolved from the debt of punishment, since he is then made a partaker of the Passion of Christ. ”
