The embodiment of the invention provides a charging control method and device and a terminal. The method comprises the steps of judging whether a current charging stage is in a constant-voltage charging stage or not; if so, increasing preset charge cut-off voltage to first charge cut-off voltage; periodically detecting charging current and battery voltage at preset time intervals; when the charging current is greater than or equal to a default threshold and the battery voltage is greater than or equal to safety voltage, reducing the first charge cut-off voltage at a default voltage adjustment range; and when the charging current is smaller than the default threshold, completing charging. According to the charging control method, the charge cut-off voltage is firstly increased at the constant-voltage charging stage and the charging current is also increased; when the battery voltage is greater than or equal to the safety voltage, the charge cut-off voltage is reduced and charging is completed until the charging current is smaller than the default threshold, so that a battery can faster reach a fully charged state and the charging time can be shortened.