Terry calling somebody a black cnut in the heat of an argument is wrong, but it doesn't make him a racist. I doubt he'd be able to live and work among so many black players and lead quite a few of them as a captain without displaying any sort of obvious racist behavior for so many years. Having a moment of stupidity in the middle of a heated argument makes you say a lot of stuff you tend to regret later. If he did say that, Terry should have apologized to Ferdinand right then and there or at least after the game, no matter what the consequences. Still, making that remark doesn't automatically make him a racist, only someone who never a lived a day in the real world or driven by their bias against the man in question to begin with, would jump to that conclusion.
If you read the thread carefully, you'll notice that my first post was a reply to someone citing how Chelsea, as a club, has a tarnished reputation due to behavior of some of their players. That's why I used several United players from the past and present to point out that bias doesn't allow supporters to see their own players for what they are, while they readily slag off rival footballers for the similar wrongdoings.
