“How would I go about applying more minutes? What increments are they sold in? Would they be lost if unused?”
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You can buy minutes with a credit card by dialing AT&T on your phone at 6-1-1 and there's probably an 800 # you can call from another phone to add minutes to your account. You can go to the AT&T website and buy a card with minutes. You can also buy a card with minutes in many drugstores and supermarkets. They come in $10 and also $25 increments - and some in-between and maybe above those amounts also. But after 30 days, your total minutes will only rollover if you buy $25 or more.
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