Message: “Not Found” (404) when trying to create private repo on github /user/repos

I’m getting error:

{
    "message":"Not Found",
    "documentation_url":"https://docs.github.com/rest",
    "status":"404"
}

when trying to create private repo on my GitHub account. My code in php:

$curl = curl_init();

curl_setopt_array($curl, array(
    CURLOPT_URL => 'https://api.github.com/MY_USERNAME/repos',
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_ENCODING => '',
    CURLOPT_MAXREDIRS => 10,
    CURLOPT_TIMEOUT => 0,
    CURLOPT_FOLLOWLOCATION => true,
    CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
    CURLOPT_CUSTOMREQUEST => 'POST',
    CURLOPT_HTTPHEADER => array(
        "Accept: application/vnd.github+json",
        "Authorization: Bearer MY_TOKEN",
        "X-GitHub-Api-Version: 2022-11-28",
        "User-Agent: MY_APP_NAME"
    ),
    CURLOPT_POSTFIELDS => array(
        "name" => "test-repo-123",
        "description" => "This is your first repo!",
        "homepage" => "https://MY_URL",
        "private" => true,
        "is_template" => true
    ),
));

$response = curl_exec($curl);

curl_close($curl);

I had to create GH App, and installed it on my GH Account.

When I cut line:

"User-Agent: MY_APP_NAME"

I get error:

Request forbidden by administrative rules. Please make sure your request has a User-Agent header (https://docs.github.com/en/rest/overview/resources-in-the-rest-api#user-agent-required). Check https://developer.github.com for other possible causes.

Ofcourse, in constants: MY_USERNAME, MY_TOKEN, MY_APP_NAME, MY_URL I have my sensitive data.

What am I doing wrong?

Thanks
Mike