I have lived in a new house for 3 months. What if the property has no water and electricity card?

As long as the property management company has handled the handover procedures for you and cannot provide the necessary facilities stipulated in the purchase contract and the property contract, you can go to the local property management department (usually with the property management department) to refuse to pay the property fee after obtaining the evidence, but it doesn't seem to matter whether you can apply for a card, as long as the property feels convenient.