| Good quote from Calvin
Then, again, when they ask us what faith for several years followed our baptism, that they may thereby prove that our baptism was in vain, since it is not sanctified unless the word of the promise is received with faith, our answer is, that being blind and unbelieving, we for a long time did not hold the promise which was given us in baptism, but that still the promise, as it was of God, always remained fixed, and firm, and true. Although all men should be false and perfidious, yet God ceases not to be true, (Rom. 3: 3, 4; ) though all were lost, Christ remains safe. We acknowledge, therefore, that at that time baptism profited us nothing, since in us the offered promise, without which baptism is nothing, lay neglected. Now, when by the grace of God we begin to repent, we accuse our blindness and hardness of heart in having been so long ungrateful for his great goodness. But we do not believe that the promise itself has vanished, we rather reflect thus: God in baptism promises the remission of sins, and will undoubtedly perform what he has promised to all believers. That promise was offered to us in baptism, let us therefore embrace it in faith. In regard to us, indeed, it was long buried on account of unbelief; now, therefore, let us with faith receive it.
Wherefore, when the Lord invites the Jewish people to repentance, he gives no injunction concerning another circumcision, though (as we have said) they were circumcised by a wicked and sacrilegious hand, and had long lived in the same impiety. All he urges is conversion of heart. For how much soever the covenant might have been violated by them, the symbol of the covenant always remained, according to the appointment of the Lord, firm and inviolable. Solely, therefore, on the condition of repentance, were they restored to the covenant which God had once made with them in circumcision, though this which they had received at the hand of a covenant-breaking priest, they had themselves as much as in them lay polluted and extinguished. (Institutes, 4.15.17)  | 
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