I heard the gospel.Romans 10:17. So then faith cometh by hearing, and hearing by the word of God.
It is obvious from this Scripture that the "Faith that saves" is not inherent in man. Sounds to me like the "Faith that saves comes from GOD" and is not like the so-called faith that your car will start when you turn the key.
I sounded reasonable, true, and most of all the Holy Spirit was there convicting me of sin.
I put my faith in Christ, and at that point was born again.
Faith came by hearing the Word of God. I heard the word of God, put my faith in its gospel message (or the author of it), and was saved.
God did not give me the faith to do so.