Say you have an empty jug, and you go to fill it up in your sink. You turn on the faucet full blast, and that fills it up pretty quickly up until you hit 80% or so. But now if you keep the water going at its maximum pressure, the water from the faucet is causing the water already in the jug to slosh around and spill out. You need to slow things down in order to fill it up the rest of the way.
Similarly, the chemistry of a rechargeable battery is generally fine charging at a high current (subject to other factors like heat), but once the battery cells are mostly charged, cramming power into them at the same rate damages them. This would result in a significant drop off in number of recharge cycles. So charging tapers off until the battery reports its at peak charge.
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