"Please, do not think that if you are described as a heretic someone is trying to insult you. All that is typically meant by the epithet is that your belief does not conform to the teaching of the Catholic Church."
True.
Back at the Academy, we in the Catholic Choir referred to our Protestant counterparts as the Heretic Choir, but we did so with the utmost of Christian charity...
I wear a heretic button on my lapel, just below the American Flag!