Lower the heat to medium-low, then mix in ketchup and mustard. Stir in cream cheese until fully blended, then add shredded cheese until melted. Turn off the heat.
In another skillet, heat olive oil over medium heat. Place a layer of the filling in each tortilla, folding it closed.
Cook seam side down until crispy and golden. Serve garnished with pickles, bacon, and cheese sauce.
Notes
Feel free to customize the filling with your favorite low-carb ingredients!