How can I change a .csv spreadhseet to a regular .xls spreadsheet? I've
tried SAVE AS, choosing .xls as the file type, but that doesn't work. When
I open the new .xls file, it's still in comma delimited format. If this
sounds strange, please see details below.

For years I've been downloading my credit card statement. The choice I pick
is "excel .csv". The file that gets downloaded has a .csv extension, but
when I open it, it is in standard .xls format. That is the items are in
cells, not enclosed in quotes, and not separated by commas. I'm not an
Excel user, typically, so I didn't think anything of it.

Today, however, two things changed.

1 - Instead of downloading to my PC, asking me where I wanted it saved, it
just opened up the spread sheet. I had to explicitly use the Excel SAVE AS
option to get it to store on my PC.

2 - The format was what I would think a csv file should look like, that is
items were enclosed in quotes and separated by commas.

I've inquired of the credit card company (e-mail -waiting for answer), as it
would seem that something had changed, but maybe not. Since I installed SP
2, who knows what it might be contributing to the situation.

TIA for any advice on any of these issues.