You did check that they're all running on a SQL 2017 Server, right?  And that the compatibility mode is set correctly?

Drew

I completely rewrote your query.  You had way too many calls to each of the tables.  I used a CTE to get the row numbers for the details section.  Except...

That's better, but

1. You didn't include the table definitions
2. We don't need EVERY SINGLE COLUMN.
3. It's better to use TEMP tables for sample data, so that people don't have to...

Thanks.  That's what I was afraid of.  I still might get the SQL Toolbelt, because I love SQL Prompt and both SQL Dependency Tracker and SQL Doc may be useful...

I wouldn't do this in T-SQL.  It looks like you're preparing a fixed width file, in which case you should use bcp.

Drew

You actually can do this with a single scan of the table.  With the appropriate index, you can even prevent a costly sort operation.

WITH CreditCardCTE AS

I think this would be a lot easier with several specific examples rather general hand-waving.  That being said, I think that if you stop thinking about AND/OR and instead think...