I'll start by agreeing with the others - while CSV started off as a "standard" file format, it has many variants and these days rather than thinking of the CSV as representing "Comma Separated Values", I think of more as "Common Separator for Values". And
as noted the common separator can be almost anything someone wants to code into their file processing, but the most usual are the comma, [tab] character, semi-colon and the pipe character. Then we get off into text delimiters (' or ") and the aforementioned
terminating character(s) for a row/line of data.
In Excel, you've got 2 basic ways (with a variation of each for MS-DOS/Windows systems and another for Macs) to create one of these files. The basic difference is that using Save AS with the CSV option results in a .csv file that uses commas for field separators
and double-quotes for text delimiters. You can also use Save As with the TXT option, which pretty much writes the same type of file, but uses the[Tab] character for the field separator instead of the comma. This results in a file with a .txt filename extension.
With a 'standard' CSV file, you can open it in Excel simply by identifying it to Excel or double-clicking its filename in your file browser. Excel automatically attempts to interpret it as a CSV file with commas for field separators and double-quote characters
for text delimiters.
With a TXT file, you can use Excel's import data from Text file option:
[Data] tab, {Get External Data} group, "From Text" option. This option gives you the ability to tell excel what the separator character is/are (you can identify more than 1), and what the text delimiter is.
A word about the text delimiter: Normally they are only added to a field when that field contains the separator character itself - as in your address with a comma example.
If you have a field that already has double-quotes around it, then when you look at the created CSV or TXT file with Notepad, you'll find that it looks like this in the file:
"""Started with one double-quote at each end, saved with 3 double-quotes at each end!"""
ONE QUESTION: when your other application tries to import the file, is it giving you extra fields where you aren't expecting them, or just generating an error telling you that it cannot read the file?