In "The Vow," Rachel McAdams is torn between hunky Channing Tatum and gorgeous Scott Speedman. The question is ... More Who'd you rather?Madonna vs. Kelly ClarksonCynthia Nixon vs. Sinead O'ConnorJude Law vs. Guy Ritchie

TMZ has learned ... the U.S. Secret Service just closed in on a woman accused of operating a serious credit card scheme ... and many of the alleged victims are major Hollywood mega-stars. According to an affidavit filed in United States District Court, a witness claims Jennifer Aniston, Cher, Liv…