I feel like it would be very difficult for someone to explain to Jesus that they believed on him, but they just didnt want to get baptized. I'm just trying to imagine what kind of faith such a person has. Like "yes, I believe in Jesus, but I'm not going to even do the simplest command from him". Sounds like dead faith to me, if your faith isn't even working enough in you to get into some water, then what is your faith doing? I dont think you can "believe into salvation" then never do anything with God for the rest of your life.