A charging method and a charger are provided that relate to the field of electronics, and can adjust a charging current of the charger in real time and avoid a short circuit of the charger. The method in the present invention includes setting a multi-level charging current; when a terminal is charged at a present charging current, acquiring a real-time charging voltage corresponding to the present charging current; determining whether a difference between the real-time charging voltage corresponding to the present charging current and an ideal charging voltage exceeds a voltage drop threshold; when the difference does not exceed the voltage drop threshold, boosting a charging current to a next-level charging current; and when the difference exceeds the voltage drop threshold, reducing the charging current to a previous-level charging current, so as to select an appropriate charging current to charge the terminal.