'https://github.com/{username}/{repository}.git/'
problem solution
According to this page
Go to https://github.com/settings/tokens (or setting/Developer setting/Tokens (classic)/) and click Generate new token
to apply a new token.
If you want to push repo
Payload:
git remote set-url origin https://ghp_XXXXXXXXXXXXXXXXXXX@github.com/howarder3/test_repo.git
If you want to clone your own private repo in new computer
Payload:
git clone https://ghp_XXXXXXXXXXXXXXXXXXX@github.com/howarder3/test_repo.git