i wouldn’t think it is (of course its my opinioin, but hear me out

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i’ve had many interactions with PENDs. i’m not saying Catholics do not have a Personal Relationship with Jesus Christ, but the PENDs use this as an excuse to throw out the need for a Church. the way they carefully define their beliefs always centers around removing oneself from the Church and relying on this personal relationship with Jesus as their road to salvation. thats the heresy there, because they changed the definition of what it means to have a personal relationship with Christ, and use it to convince people that the Church is not needed, which is contrary to doctrine.
The problem with most PEND’s doctrines is that BOTH truth and lies go hand in hand. In extreme cases, they use the truth to appear to expel other truths especially those held by the catholic Church.
Asking Jesus as our “personal saviour and Lord” is correct, even within the Catholic theology (i guess, and just as choy explained above). First because each faithful of the Church experiences the saving grace of Christ uniquely and hence personally. As such, there is a need to accept the fact that Jesus is the Lord within the personal level. In essence this brings about the idea that anyone’s sin is a personal sin.
However, if the argument stays there, there ends the truth. The lies come with the ignorance that the life with God has at least three dimensions: (1) relationship with the Trinity; (2) relationship with oneself; and (3) relationship with others. If one centers in the phrase “personal saviour and Lord” and ends there, the third dimension is ignored. This is a spiritual lie that every Catholic should recognize.
God never intended Man to be alone even in the beginning (c.f. Genesis 1 and 2). We must live our relationship with the Triune God
together with the entire community of believers (“community of Saints”). It is at this point that the third dimension takes shape. The third dimension gives meaning to the Christian belief in “the communion of Saints” and the idea that we “must love our neighbors as we love ourselves” or that “we love each other as Christ loved us.”
The third dimension requires a church. Because all faithful is one in “faith and baptism” we become a member of
one Church. It is because God is one, that the entire community has to be one as well; just as Christ prayed to the Father that “they may be one, as we are one.” Another lie is that we has to live ONLY spiritually and ignore the physical life. As such we are blinded by the lie that the Church is purely spiritual. It is the catholic Church that offers BOTH spiritual unity (faith) and bodily unity through the Eucharist (the body of Christ himself).
The last straw of lie within the doctrine of PEND is in the conclusion that we can and should
force God to let us enter heaven after death. This conclusion of “assured salvation” is against the Lordship of Christ itself – Christ being Lord has always the
final decision whether to accept you in Heaven or not – that is, we can only BEG for Mercy. Even the “Scriptures” (NT) yields Peter saying “depart from me, a sinner.”