Were Cypriots able to pay their bills during the "bail in" of March 2013?

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I have a business relation in Greece, and a Dutch bank account. Both countries use the Euro. Theoretically the Greek company can transfer the money from Greece to my Dutch account. In reality they can't. For each transaction out of the country they need to apply for a license from the Greek national Bank. For transfers in Greece they don't need approval.

I'm pretty certain this worked more or less the same in Cyprus.

A payment on a loan issued by another Cypriot bank

Not sure. Its very well possible to empty your bank account that way.

A payment on a loan issued by an EU bank

No, that was not allowed.

A payment on a credit card

Yes, as long as it was transferred within Cyprus to a Cypriot account.

A payment to the local utility (electricity, etc.; not sure if these are nationalized in Cyprus or not)

Yes, they could do that.

What they could not do was empty their bank accounts by using ATM machines. The same restrictions applied to bank transfers. That's why nobody was informed until the banks were closed for the weekend. Even if they wanted to, they couldn't transfer anything because the banks were closed. And they wouldn't be open on Monday, due to the bank holiday.

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