Combine the ingredients for the quick pico de gallo in a small bowl.
Heat a nonstick skillet over medium heat. Spray the skillet with oil and add a tortilla.
Brown about 2 minutes on each side, then spread 1/4 cup picadillo on half of the tortilla.
Top with cheese and half of the pico de gallo, then fold and press down with a spatula. Cook 1 to 2 minutes on each side, until the cheese is melted and the tortilla is crisp.
Remove from heat and cut in 3 pieces. Repeat with the remaining. Eat hot!