We still need to accept what Jesus did on the cross as the only possible payment for our sins. We need to accept him as Savior and Lord. Salvation is like a gift: you don't have it unless you receive it. It's not enough to know it's available to you. When the Holy Spirit draws you, you need to accept Christ. Or, eventually, the Holy Spirit will stop drawing you.
Amen, only through the grace of God can we be saved.