IPhone 6 losing credit hand over fist

Hi everyone. My iPhone 6 is just draining credit away, Which standard apps (in the normal factory settings) should I turn off from worst offender to least offender that I really don't need until I manually turn them on?
I do use Wi-Fi wherever possible.
Location Services & Mobile Data are switched off.
Many thanks.

gwankada wrote:
There is no Cellular in Settings. At least not on my iPhone 6.
You don't see this when you launch the Settings app?

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