The Bible teaches that Christ saves. Acts 4:12 states that salvation is found “in no other” than Jesus. However, receiving Christ necessitates some response on our part. The Bible makes it clear that our response should include faith, repentance, confession, and baptism. Each is important, but none is more important than the other. These are merely the ways we express the fact that we trust Christ for salvation. They do not save us; Christ does ... but each is mentioned in reference to our becoming Christians in the Scriptures.
When people accepted Christ as Savior in New Testament times they BELIEVED in Him (Acts 16:31), they REPENTED of their sins (Acts 2:38), they CONFESSED Christ as Lord (Matthew 16:16-18, Romans 10:9-10), and they were BAPTIZED (Matthew 28:19-20, Acts 2:38-41, Acts 8:36-38).
Our role as Christians is to teach people to do the same things that the Apostles taught people to do back then. It simply is not profitable or fruitful to argue about “at which point” one is saved. Instead, we encourage people who would accept Christ to “BELIEVE, REPENT, CONFESS, AND BE BAPTIZED.” We refrain from making judgments about anyone who has followed a different pattern. Judgment belongs only to God (Romans 14:4, 8-12).