JOIN Excel spreadsheet to MsSQL Query

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I need to combine data from SQL Server tables and a CSV file.
This is the skeleton query

SELECT 
customer 'Account',
--Credit_Limit sage	
full_name Name, 
address,city,phone,
LOWER(dbo.TrimAll(email_address)) 'Email Addr'
FROM cust_acc WITH(NOLOCK)
JOIN cust_data WITH(NOLOCK) 
	ON cust_acc.customer = cust_data.customer
JOIN accounts WITH(NOLOCK) ON acc_code = acc_id
WHERE acc_code IN ('XXXX')

The missing--Credit_Limit sage data has been extracted into a CSV file

account_ref  credit_limit

Where account_ref matches customer 'Account'. There are other useful fields also.

Can this be done from Query Analyser or am I better in Excel Microsoft Query?
I know how to query an Excel spreadsheet from a stored procedure

OPENROWSET('Microsoft.Jet.OLEDB.4.0','Excel 8.0;
Database=\\nn.n.n.nn\path\to\spreadsheet\speadsheet.xls',

But how can I JOIN to a spreadsheet in a query?

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Well I have solved it.
1. The file cannot be CSV, it needs to be in .xls format
2. Place the file on the same server as the database. I am not saying this is essential but I tried with DB on server and file on local machine, no luck. File on server OK.
3. This is the JOIN syntax and connection string

LEFT JOIN
OPENROWSET('Microsoft.Jet.OLEDB.4.0','Excel 8.0;
Database=\\servername\drivename\path\tofile\file.xls',
'SELECT * FROM [sheetname$]') sage
ON account_ref = cust_acc.customer

4. IP address did not work, used actual server name.
5. Again with drive, drive letter no good, used actual given drive name.