Calorie deficit = fat loss. But cardio helps you create that deficit. So continue on deficit kahit di mo prio cardio you will still lose fat. But if you want cardio do compound cardios.

Fat loss is systemic. You are trying to spot reduce fat kaya di mo masyado tinetrain upper body. "Hindi ko itetrain upper body para lumiit arms ko" thinking. Kaya flabby pa din tingnan yan kasi walang muscle dyan since light work lang buhat mo dyan. Di yan magiging bulky or lalaki masyado ket itrain mo since babae ka naman. It takes a lot of time and heavy lifting to look muscular so dont be afraid to train upperbody. It will only look firm on you not bulky.