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No, AT&T would not stop charging, just because you stopped using the SIM card, the phone has to be on a data plan and it is charged for every month, regardless of how much you do or do not use the phone/SIM card.
I am not sure how it would work, if you could activate on their SIM, without setting it up on a plan, but I think some people have been able to, as long as that particular card was already active and on a data plan.
You may want to do a search for information on the Meta Doctor, it may be what you need.
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