Tell me

Would you consider my gf as chubby?

Nah

Chubby but I'd give her a2m

nej men hon ser ut som en degenererad fucking hora

Why does she look chubby?

Dunno, she might be hiding her gut behind someone, post a better pic, preferably topless.

is she chubby? what mode is this?

she has a lot of fat

Yup

She's not just chubby, she's fat.