(1), for consumer credit extended in a credit card account under an open end consumer credit plan, a bona fide fee other than a periodic rate is not a charge required to be included within the finance charge for purposes of this section if the fee, including any fee charged before the account is opened or during the 1-year period beginning on the date on which the account is opened, is assessed in compliance with section 127(n). (B) Limitation Subparagraph (A) shall not apply to— (i) any credit insurance premium or fee, including any charge for single premium credit insurance, any fee for a debt cancellation contract, or any fee for a debt suspension agreement