A charging method, a charging apparatus, and a terminal are disclosed. The method includes: identifying, when it is detected that a charging apparatus is inserted into a charging port of a terminal by using a charging cable, a first voltage value of the charging port; setting a second charging current; identifying a second voltage value of the charging port at the second charging current; calculating a cable impedance of the charging cable according to the first voltage value, the second charging current, and the second voltage value; and adjusting a suitable charging current of the charging apparatus according to the cable impedance of the charging cable. Therefore, the terminal can adapt to different charging apparatuses, improving charging experience of a user.