While technically you can call a girl "buddy," it's generally not recommended as it can be perceived as informal, and potentially distancing.
Here's a breakdown:
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Informality: "Buddy" is typically used among male friends or acquaintances. It can imply a lack of romantic interest or a purely platonic relationship.
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Potential Misinterpretation: Depending on the context, relationship, and tone of voice, calling a girl "buddy" could be taken as condescending or dismissive.
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Alternatives: There are many other ways to address a girl, such as by her name, "friend," or with a more affectionate term if appropriate for the relationship (e.g., "sweetie," "honey").
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Context Matters: The appropriateness of using "buddy" depends heavily on the pre-existing relationship. If you've always used "buddy" with a particular female friend and she's comfortable with it, then it's likely fine. However, it's generally best to avoid it with someone you're just getting to know, or if you're unsure of how she might perceive it. As the reference suggests "I can't imagine addressing a girl or woman as “buddy,”" even though it also says they have addressed women as "man" and "dude."
Ultimately, consider the recipient and your relationship with them when choosing how to address them. If you are uncertain, it is best to err on the side of caution and use a different term of endearment or address the person by their name.