I don't ever have to deal with chuds but if I did - I'd tell them that they're racist and hateful.
Why can't they be honest about it, why dance around the point?
We laugh about the Overton window and it's always moving to the right. There's a similar connected hate "window" of how openly racist and hateful people can be in real life. It moves around over time and it is heavily based on locale. Right now most Americans can't say "Black people are inferior," or "Jews control banking," or "Gay people shouldn't have rights."
But they still need to make everybody know they are racist and hateful. To do so in a more "polite" way - they resort to transparent workarounds like euphemisms and "I'm just asking questions" phrasing.