I guess it's your turn, then. Would you please explain the words from John the Baptist, Paul, and even Jesus Himself that say "believe and ye shall be saved"?
Then came the Jews round about him, and said unto him, How long dost thou make us to doubt? If thou be the Christ, tell us plainly. Jesus answered them, I told you, and ye believed not: the works that I do in my Father's name, they bear witness of me. But ye believe not, because ye are not of my sheep, as I said unto you. My sheep hear my voice, and I know them, and they follow me:
Now that is what Jesus had to say about why they did not believe he was the Christ. He had told them and his works testified him to be so yet because they were not his sheep they did not believe. Now his sheep when he called them followed (believed) him.
Paul understood this. Paul Also did not believe Jesus of Nazareth was the Christ. He without doubt heard Stephan's last sermon and he still did not believe. Why, for God had yet to call him. He was a sheep but a sheep that had not been called and was still in unbelief. Jesus himself called Paul on the road to Damascus. Paul asked who are you Lord and Jesus told him I am Jesus. Paul then passed from unbelief to belief, he became a believer and in three days would receive the Holy Spirit which was given him because of faith or by faith of Jesus, which is exactly what Gal. 3:22 states. Paul put it this way also. 1 Tim 1:13,14 Who was before a blasphemer, and a persecutor, and injurious: but I obtained mercy, because I did ignorantly in unbelief. (And after belief) And the grace of our Lord was exceeding abundant with faith and love which is in Christ Jesus.
The faith and love is in and of Christ Jesus. We love because he first loved us.
Example the very fact the Philippian jailer asked the question should tell us he was being called Romans 3:11 There is none that understandeth, there is none that seeketh after God.
Acts 16:32 And they spake unto him the word of the Lord, and to all that were in his house.
That is when they heard about the faith by which they were about to be given the promise of the Holy Spirit.