git config \
  --global \
  url."https://oauth2:${personal_access_token}@gitlab.schukai.com".insteadOf \
  "https://gitlab.schukai.com"

#or 

git config \
  --global \
  url."https://${user}:${personal_access_token}@gitlab.schukai.com".insteadOf \
  "https://gitlab.schukai.com"