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Its rude yes.

An example you could call a black person, nigger. You arent lieing, but its still prejurative. You are belitteling the person for something that is a characteristic of theirs. Its rude to do so.

A more direct example would be me saying you make retarded threads (its an example not calling you that!). Even if you make bad threads (wich i dont know, its an example) it doesnt entitle me to call you retarded. Even if you were.

Hope that clears it up for you. Dont do it, unless you want to be hated.