At one time, I was a very fervent Catholic who spent quite a bit of time with apologetics (defending the faith against Protestants). Many Protestants would ask me: "Do you have a personal relationship with Christ?" You see, they believed Catholicism to be a legalistic, ritualistic religion. In a sense, they were correct. Catholics do foster a relationship with Jesus through external signs, for example, sacraments. Bread, Wine, Water, Laying on of hands, priests, Saints, the liturgy, etc. are all ways in which Catholics commune with Christ.
The phrase, "personal relationship with Christ", was used, primarily, to condemn the Catholic theology of sacraments, etc. "I don't need no visual intermediary in order to encounter Jesus....baby, he's right here with me just as much as my mommy." Of course, it was a bunch of dung, but, it was their way of claiming some kind of upper hand.
The fact of the matter is that, any person who talks with someone they can't see, can claim a personal relationship with whatever, or whomever, they are conversing with.