An electrical system is usable with an offboard charging station and configured to dynamically adjust a power limit of the electrical system during a battery charging process. The system includes a battery pack, charge coupler, power electronic components, temperature sensor(s), and a controller. The components include a most-limiting component, and are electrically connected to the battery pack with corresponding temperature-based operating performance information. The information describes a maximum allowed charging current over different time intervals. The most-limiting component has a lowest allowed charging current. The controller executes a method by determining a component temperature using the measured temperature(s), and requests increased charging current from the power supply over one or more of the time intervals to supply the battery pack with the maximum allowed charging current of the most-limiting component. A vehicle includes the system and an electric machine delivering torque sufficient for propelling the vehicle.