What follows is from the site below. Perhaps that will help answer your question
www.catholic.com/library/Primer_on_Indulgences.asp
Principle 2: Punishments are Both Temporal and Eternal
The Bible indicates some punishments are eternal, lasting forever, but others are temporal. Eternal punishment is mentioned in Daniel 12:2: “And many of those who sleep in the dust of the earth shall awake, some to everlasting life and some to shame and everlasting contempt.”
We normally focus on the eternal penalties of sin, because they are the most important, but Scripture indicates temporal penalties are real and go back to the first sin humans committed: "To the woman he said, ‘I will greatly multiply your pain in childbearing; in pain you shall bring forth children (Gen. 3:16).
Principle 3: Temporal Penalties May Remain When a Sin is Forgiven
When someone repents, God removes his guilt (Is. 1:18) and any eternal punishment (Rom. 5:9), but temporal penalties may remain. One passage demonstrating this is 2 Samuel 12, in which Nathan the prophet confronts David over his adultery:
“Then David said to Nathan, ‘I have sinned against the Lord.’ Nathan answered David: ‘The Lord on his part has forgiven your sin; you shall not die. But since you have utterly spurned the Lord by this deed, the child born to you must surely die’” (2 Sam. 12:13-14). God forgave David but David still had to suffer the loss of his son as well as other temporal punishments (2 Sam. 12:7-12). (For other examples, see: Numbers 14:13-23; 20:12; 27:12-14.)
Protestants realize that, while Jesus paid the price for our sins before God, he did not relieve our obligation to repair what we have done. They fully acknowledge that if you steal someone’s car, you have to give it back; it isn’t enough just to repent. God’s forgiveness (and man’s!) does not include letting you keep the stolen car.
Protestants also admit the principle of temporal penalties for sin, in practice, when discussing death. Scripture says death entered the world through original sin (Gen. 3:22-24, Rom. 5:12). When we first come to God we are forgiven, and when we sin later we are able to be forgiven, yet that does not free us from the penalty of physical death. Even the forgiven die; a penalty remains after our sins are forgiven. This is a temporal penalty since physical death is temporary and we will be resurrected (Dan. 12:2).
Principle 5: God Remits Temporal Punishments through the Church
God uses the Church when he removes temporal penalties. This is the essence of the doctrine of indulgences. Earlier we defined indulgences as “what we receive when the Church lessens the temporal penalties to which we may be subject even though our sins have been forgiven.” The members of the Church became aware of this principle through the sacrament of penance. From the beginning, acts of penance were assigned as part of the sacrament because the Church recognized that Christians must deal with temporal penalties, such as God’s discipline and the need to compensate those our sins have injured.
In the early Church, penances were sometimes severe. For serious sins, such as apostasy, murder, and abortion, the penances could stretch over years, but the Church recognized that repentant sinners could shorten their penances by pleasing God through pious or charitable acts that expressed sorrow and a desire to make up for one’s sin.
The Church also recognized the duration of temporal punishments could be lessened through the involvement of other persons who had pleased God. Scripture tells us God gave the authority to forgive sins “to men” (Matt. 9:8) and to Christ’s ministers in particular. Jesus told them, “As the Father has sent me, even so I send you. . . . Receive the Holy Spirit. If you forgive the sins of any, they are forgiven; if you retain the sins of any, they are retained” (John 20:21-23).
If Christ gave his ministers the ability to forgive the eternal penalty of sin, how much more would they be able to remit the temporal penalties of sin! Christ also promised his Church the power to bind and loose on earth, saying, “Truly, I say to you, whatever you bind on earth shall be bound in heaven, and whatever you loose on earth shall be loosed in heaven” (Matt. 18:18). As the context makes clear, binding and loosing cover Church discipline, and Church discipline involves administering and removing temporal penalties (such as barring from and readmitting to the sacraments). Therefore, the power of binding and loosing includes the administration of temporal penalties.