Xcode 11 SPM authentication failed because no credentials provided

It was a problem with git config. In .gitconfig file it was set to

[url "git@github.com:"]
    insteadOf = https://github.com/

After removing this section https worked correctly

EDIT: as mentioned in comments you can easily access your gitconfig in terminal with command: git config --global --edit

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Hata!: SQLSTATE[HY000] [1045] Access denied for user 'divattrend_liink'@'localhost' (using password: YES)