and you, >>12554606
A "scrappy" is a character that the author thinks the fans will like, but the fans almost universally despise. It doesn't matter if "they have good points" or if YOU like them, or if they seem "generic" or not.
Anyway, from TVTROPES:
"Every once in a while, there's a character who generates a fandom of hate. A hatedom! It's not easy to pinpoint what makes someone The Scrappy, as it's a very subjective term and more based on the fandom than the character itself. In fact, simply stating that someone may be The Scrappy will generate contrary responses from many people. But when it's there, it can divide entire demographics. Such an emotional response can baffle other fans who don't take the character as seriously, or else have a genuine sympathetic response to them."