The Commandments and moral life · Question 4
If you do one big wrong, does it automatically become a mortal sin and you're finished with God?

The question: “If you just confirm that someone did something grave, do you know they're in a state of mortal sin?”
The Church's answer: For a mortal sin, three conditions have to be present together: grave matter, full knowledge that it is a grave wrong, and deliberate consent in choosing to do it. Where the matter is grave but the person didn't know enough, or the free consent wasn't whole, the guilt that falls to that individual can be lessened. So while we can judge that an act is objectively a grave evil, a person's inner life and the whole of their responsibility have to be left to God's justice and mercy.
These conditions are not a loophole that makes wrongdoing light. Deliberately avoiding the truth, or hardening your heart and choosing evil, does not reduce responsibility. At the same time, no one may ignore coercion, fear, illness, and the real limits on freedom and then declare, “something big happened, so you must have fully consented.” Mortal sin destroys love and calls for repentance and forgiveness — yet God's mercy has no boundary past which you can no longer come back.
If they press further: “If I'm not sure whether it was a mortal sin, do I have to keep worrying?” — don't shrug a sin off, and don't get trapped in fear either, checking the same thing over and over. Confess honestly what you do know, and get the help of a responsible confessor. If repeated religious compulsion and anxiety are wrecking your daily life, you can get help from a mental-health professional alongside pastoral care.
In one sentence: “A mortal sin needs grave matter, full knowledge, and deliberate consent together. Don't make light of a serious wrong, but don't pass sentence on what's inside a person either — look for the road of repentance and mercy.”