Jennette McCurdy: "Ratchet Ho" PLAYED Andre Drummond ... Charlamagne tha God Says

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Jennette McCurdy is just a "ratchet ho" who played Andre Drummond like a tune to boost her own celebrity status ... according to MTV star Charlamagne tha God.

Andre Drummond, Jennette McCurdy

The Charlamagne & Friends star says he believes the NBA baller, who insists he did not leak the Jennette McCurdy lingerie pics that hit the web this week.

Charlamagne tells TMZ Sports that the proof is in the pudding.

First off, the actress publicly engaged the Detroit Pistons player on Twitter after he named the iCarly and Sam & Cat cutie as his "Woman Crush Wednesday."

"She’s clearly a ratchet ho," he says, explaining that this was all her plan and that "social sexual networking hookups are for regular people not celebrities."

The couple had a brief relationship that fizzled out, after which the 21-year-old blasted Andre Drummond on a podcast out of the blue last weekend.

McCurdy then pointed the finger at him after the racy pictures (below) mysteriously surfaced online within 24 hours, with Charlamagne calling BS on her.

"I bet ten other guys have the same pics Andre has," he says.

"She’s an idiot." And/or a "ratchet ho," whatever that is.

Urban Dictionary defines "ratchet" as "a diva, mostly from urban cities and ghettos, that [believes] she is every man's eye candy. Unfortunately, she's wrong."

It defines "ho" as ... well, you probably know that part.

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