In the US (not UK, sorry!) It is entirely dependent on the family that raised you. In some households it's just another word, and in others it is a curse word. In my experience the households that consider it a curse are less common.

This caught me off guard when I was roughly your age and got in trouble for it when visiting a friend. I thought it was a regular word and was scolded in front of others for it. I had no clue what was going on because nobody would tell me what word it was for a while.