Guy I’m talking to told me I look stupid? Is this rude or playful banter?

He said that he just meant it as playful banter between friends. I said that i think it was rude and he should apologize but he said it’s just banter. I don’t know if it’s his was of flirting because he always teases me, but has never gone as far as calling me stupid

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He sent me a snap this morning should i answer?
Guy I’m talking to told me I look stupid? Is this rude or playful banter?
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