According to who? God doesn't have fine print or hidden terms and conditions. We are irredeemable fools that are mired in sin. The only one who can save us is Jesus Christ. Its not a merit- based system. He offers salvation for anyone who believes in Him, no matter how wretched or foolish they may be.

You can neither be saved nor unsaved by your own works. Our salvation is entirely in the hands of the Lord. He has a capacity for love and forgiveness that is beyond our understanding and He will never abandon those who love Him in return.