The present disclosure provides a charging method and a terminal. The method includes: automatically learning, by the terminal, historical data by using a machine learning algorithm, to establish a habit model of a user, and matching a current time with the usage habit model of the user to determine a current charging intention of the user, so as to determine a charging mode according to the charging intention. By means of the technical solutions, a charging requirement of a user can be effectively identified, and on-demand charging can be implemented. This improves user experience while avoiding a battery life decrease caused by frequent fast charging.