I get that the card asks about the CHAD score and the anticoagulation, but even in stable patient you might need to start with rate and rhythm control first
So by changing the card into (long-term) it make it more clear that the anticoagulation part is the one you asking about
Here is part of AMBOSS article talking about the topic
New diagnosis in stable patients [3][13][35]
Onset ≥ 48 hours or unknown
Consider rate control initially.
Defer consideration of rhythm control until:
≥ 3 weeks of therapeutic anticoagulation is complete
OR thrombi are ruled out via TEE for Afib
Onset < 48 hours
Consider rhythm control or rate control on an individual basis.
See “Rate control vs. rhythm control” for details.
All patients
Begin long-term anticoagulation for Afib if favored by risk assessment.
Identify and treat reversible causes of Afib.
Source: AMBOSS - https://next.amboss.com/us/article/GS0Baf?q=atrial+fibrillation